LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,404
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,283
−HK$1,909/mo
Today · 4.125%
HK$64,192
baseline
▲ 0.50% · 4.625%
HK$68,098
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,384/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,199
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,002
−HK$1,828/mo
Today · 4.125%
HK$70,830
baseline
▲ 0.50% · 4.625%
HK$74,563
+HK$3,733/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,660/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,485
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,740
−HK$2,291/mo
Today · 4.125%
HK$77,031
baseline
▲ 0.50% · 4.625%
HK$81,718
+HK$4,687/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$154,062/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,639
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,802
−HK$2,194/mo
Today · 4.125%
HK$84,996
baseline
▲ 0.50% · 4.625%
HK$89,476
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$169,992/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,566
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,197
−HK$2,672/mo
Today · 4.125%
HK$89,869
baseline
▲ 0.50% · 4.625%
HK$95,338
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,738/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,079
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,602
−HK$2,560/mo
Today · 4.125%
HK$99,162
baseline
▲ 0.50% · 4.625%
HK$104,389
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,324/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,728
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,110
−HK$3,436/mo
Today · 4.125%
HK$115,546
baseline
▲ 0.50% · 4.625%
HK$122,577
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,092/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,959
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,203
−HK$3,291/mo
Today · 4.125%
HK$127,494
baseline
▲ 0.50% · 4.625%
HK$134,214
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,988/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,833 · Scale 2, in force from 26 Feb 2026)