LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,215
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,088
−HK$1,903/mo
Today · 4.125%
HK$63,991
baseline
▲ 0.50% · 4.625%
HK$67,884
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,982/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,988
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,785
−HK$1,822/mo
Today · 4.125%
HK$70,607
baseline
▲ 0.50% · 4.625%
HK$74,329
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,214/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,258
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,505
−HK$2,284/mo
Today · 4.125%
HK$76,789
baseline
▲ 0.50% · 4.625%
HK$81,461
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,578/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,386
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,542
−HK$2,187/mo
Today · 4.125%
HK$84,729
baseline
▲ 0.50% · 4.625%
HK$89,195
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,458/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,301
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,923
−HK$2,664/mo
Today · 4.125%
HK$89,587
baseline
▲ 0.50% · 4.625%
HK$95,038
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,174/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,784
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,299
−HK$2,551/mo
Today · 4.125%
HK$98,850
baseline
▲ 0.50% · 4.625%
HK$104,061
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,700/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,387
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,758
−HK$3,425/mo
Today · 4.125%
HK$115,183
baseline
▲ 0.50% · 4.625%
HK$122,192
+HK$7,009/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,366/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,579
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,813
−HK$3,280/mo
Today · 4.125%
HK$127,093
baseline
▲ 0.50% · 4.625%
HK$133,793
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,186/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,298 · Scale 2, in force from 26 Feb 2026)