LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,415
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,294
−HK$1,909/mo
Today · 4.125%
HK$64,203
baseline
▲ 0.50% · 4.625%
HK$68,110
+HK$3,907/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$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,211
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,013
−HK$1,829/mo
Today · 4.125%
HK$70,842
baseline
▲ 0.50% · 4.625%
HK$74,576
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,684/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,498
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,753
−HK$2,291/mo
Today · 4.125%
HK$77,044
baseline
▲ 0.50% · 4.625%
HK$81,732
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,088/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,653
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,816
−HK$2,194/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$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,581
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,212
−HK$2,673/mo
Today · 4.125%
HK$89,885
baseline
▲ 0.50% · 4.625%
HK$95,354
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,770/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,095
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,619
−HK$2,560/mo
Today · 4.125%
HK$99,179
baseline
▲ 0.50% · 4.625%
HK$104,407
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,358/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,747
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,129
−HK$3,437/mo
Today · 4.125%
HK$115,566
baseline
▲ 0.50% · 4.625%
HK$122,598
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,132/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,979
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,224
−HK$3,292/mo
Today · 4.125%
HK$127,516
baseline
▲ 0.50% · 4.625%
HK$134,237
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,032/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,026 · Scale 2, in force from 26 Feb 2026)