LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,216
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,089
−HK$1,903/mo
Today · 4.125%
HK$63,992
baseline
▲ 0.50% · 4.625%
HK$67,886
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,984/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,990
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,787
−HK$1,822/mo
Today · 4.125%
HK$70,609
baseline
▲ 0.50% · 4.625%
HK$74,331
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,218/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,507
−HK$2,284/mo
Today · 4.125%
HK$76,791
baseline
▲ 0.50% · 4.625%
HK$81,463
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,582/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,388
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,544
−HK$2,187/mo
Today · 4.125%
HK$84,731
baseline
▲ 0.50% · 4.625%
HK$89,197
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,462/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,303
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,925
−HK$2,664/mo
Today · 4.125%
HK$89,589
baseline
▲ 0.50% · 4.625%
HK$95,041
+HK$5,452/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,178/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,786
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,301
−HK$2,552/mo
Today · 4.125%
HK$98,853
baseline
▲ 0.50% · 4.625%
HK$104,064
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,706/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,389
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,761
−HK$3,425/mo
Today · 4.125%
HK$115,186
baseline
▲ 0.50% · 4.625%
HK$122,195
+HK$7,009/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,372/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,582
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,816
−HK$3,281/mo
Today · 4.125%
HK$127,097
baseline
▲ 0.50% · 4.625%
HK$133,796
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,194/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,327 · Scale 2, in force from 26 Feb 2026)