LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,211
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,084
−HK$1,902/mo
Today · 4.125%
HK$63,986
baseline
▲ 0.50% · 4.625%
HK$67,880
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,972/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,984
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,780
−HK$1,823/mo
Today · 4.125%
HK$70,603
baseline
▲ 0.50% · 4.625%
HK$74,324
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,206/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,253
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,500
−HK$2,284/mo
Today · 4.125%
HK$76,784
baseline
▲ 0.50% · 4.625%
HK$81,456
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,568/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,380
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,536
−HK$2,187/mo
Today · 4.125%
HK$84,723
baseline
▲ 0.50% · 4.625%
HK$89,189
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,446/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,295
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,917
−HK$2,664/mo
Today · 4.125%
HK$89,581
baseline
▲ 0.50% · 4.625%
HK$95,032
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,162/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,777
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,292
−HK$2,552/mo
Today · 4.125%
HK$98,844
baseline
▲ 0.50% · 4.625%
HK$104,054
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,688/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,379
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,750
−HK$3,425/mo
Today · 4.125%
HK$115,175
baseline
▲ 0.50% · 4.625%
HK$122,184
+HK$7,009/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,350/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,571
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,804
−HK$3,281/mo
Today · 4.125%
HK$127,085
baseline
▲ 0.50% · 4.625%
HK$133,784
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,170/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,221 · Scale 2, in force from 26 Feb 2026)