LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,213
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,086
−HK$1,903/mo
Today · 4.125%
HK$63,989
baseline
▲ 0.50% · 4.625%
HK$67,883
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,978/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,987
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,783
−HK$1,823/mo
Today · 4.125%
HK$70,606
baseline
▲ 0.50% · 4.625%
HK$74,328
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,212/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,256
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,504
−HK$2,283/mo
Today · 4.125%
HK$76,787
baseline
▲ 0.50% · 4.625%
HK$81,459
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,574/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,384
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,540
−HK$2,187/mo
Today · 4.125%
HK$84,727
baseline
▲ 0.50% · 4.625%
HK$89,193
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,454/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,299
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,921
−HK$2,664/mo
Today · 4.125%
HK$89,585
baseline
▲ 0.50% · 4.625%
HK$95,036
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,170/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,781
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,297
−HK$2,551/mo
Today · 4.125%
HK$98,848
baseline
▲ 0.50% · 4.625%
HK$104,059
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,696/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,384
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,755
−HK$3,426/mo
Today · 4.125%
HK$115,181
baseline
▲ 0.50% · 4.625%
HK$122,189
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,362/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,576
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,810
−HK$3,280/mo
Today · 4.125%
HK$127,090
baseline
▲ 0.50% · 4.625%
HK$133,790
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,180/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,271 · Scale 2, in force from 26 Feb 2026)