LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,406
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,285
−HK$1,909/mo
Today · 4.125%
HK$64,194
baseline
▲ 0.50% · 4.625%
HK$68,100
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,388/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,201
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,003
−HK$1,829/mo
Today · 4.125%
HK$70,832
baseline
▲ 0.50% · 4.625%
HK$74,565
+HK$3,733/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,664/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,487
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,742
−HK$2,291/mo
Today · 4.125%
HK$77,033
baseline
▲ 0.50% · 4.625%
HK$81,720
+HK$4,687/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$154,066/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,641
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,804
−HK$2,194/mo
Today · 4.125%
HK$84,998
baseline
▲ 0.50% · 4.625%
HK$89,479
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$169,996/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,568
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,199
−HK$2,673/mo
Today · 4.125%
HK$89,872
baseline
▲ 0.50% · 4.625%
HK$95,340
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,744/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,082
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,605
−HK$2,560/mo
Today · 4.125%
HK$99,165
baseline
▲ 0.50% · 4.625%
HK$104,392
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,330/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,731
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,113
−HK$3,436/mo
Today · 4.125%
HK$115,549
baseline
▲ 0.50% · 4.625%
HK$122,580
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,098/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,962
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,206
−HK$3,291/mo
Today · 4.125%
HK$127,497
baseline
▲ 0.50% · 4.625%
HK$134,218
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,994/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,864 · Scale 2, in force from 26 Feb 2026)