LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,414
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,294
−HK$1,909/mo
Today · 4.125%
HK$64,203
baseline
▲ 0.50% · 4.625%
HK$68,109
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,406/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,210
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,013
−HK$1,828/mo
Today · 4.125%
HK$70,841
baseline
▲ 0.50% · 4.625%
HK$74,576
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,682/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,497
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,752
−HK$2,291/mo
Today · 4.125%
HK$77,043
baseline
▲ 0.50% · 4.625%
HK$81,731
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,086/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,652
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,815
−HK$2,195/mo
Today · 4.125%
HK$85,010
baseline
▲ 0.50% · 4.625%
HK$89,491
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,020/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,580
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,211
−HK$2,673/mo
Today · 4.125%
HK$89,884
baseline
▲ 0.50% · 4.625%
HK$95,353
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,768/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,094
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,618
−HK$2,560/mo
Today · 4.125%
HK$99,178
baseline
▲ 0.50% · 4.625%
HK$104,406
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,356/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,746
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,128
−HK$3,437/mo
Today · 4.125%
HK$115,565
baseline
▲ 0.50% · 4.625%
HK$122,597
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,130/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,979
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,223
−HK$3,292/mo
Today · 4.125%
HK$127,515
baseline
▲ 0.50% · 4.625%
HK$134,236
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,030/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,017 · Scale 2, in force from 26 Feb 2026)