LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,413
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,292
−HK$1,909/mo
Today · 4.125%
HK$64,201
baseline
▲ 0.50% · 4.625%
HK$68,108
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,402/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,208
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,011
−HK$1,829/mo
Today · 4.125%
HK$70,840
baseline
▲ 0.50% · 4.625%
HK$74,574
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,680/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,495
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,750
−HK$2,291/mo
Today · 4.125%
HK$77,041
baseline
▲ 0.50% · 4.625%
HK$81,729
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,082/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,650
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,813
−HK$2,194/mo
Today · 4.125%
HK$85,007
baseline
▲ 0.50% · 4.625%
HK$89,488
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,014/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,578
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,209
−HK$2,673/mo
Today · 4.125%
HK$89,882
baseline
▲ 0.50% · 4.625%
HK$95,351
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,764/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,092
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,615
−HK$2,560/mo
Today · 4.125%
HK$99,175
baseline
▲ 0.50% · 4.625%
HK$104,403
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,350/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,743
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,125
−HK$3,437/mo
Today · 4.125%
HK$115,562
baseline
▲ 0.50% · 4.625%
HK$122,594
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,124/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,975
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,220
−HK$3,291/mo
Today · 4.125%
HK$127,511
baseline
▲ 0.50% · 4.625%
HK$134,233
+HK$6,722/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$255,022/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,987 · Scale 2, in force from 26 Feb 2026)