LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,416
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,295
−HK$1,910/mo
Today · 4.125%
HK$64,205
baseline
▲ 0.50% · 4.625%
HK$68,112
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,410/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,015
−HK$1,829/mo
Today · 4.125%
HK$70,844
baseline
▲ 0.50% · 4.625%
HK$74,578
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,688/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,499
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,755
−HK$2,291/mo
Today · 4.125%
HK$77,046
baseline
▲ 0.50% · 4.625%
HK$81,734
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,092/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,655
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,818
−HK$2,194/mo
Today · 4.125%
HK$85,012
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,024/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,583
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,214
−HK$2,673/mo
Today · 4.125%
HK$89,887
baseline
▲ 0.50% · 4.625%
HK$95,356
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,774/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,097
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,621
−HK$2,560/mo
Today · 4.125%
HK$99,181
baseline
▲ 0.50% · 4.625%
HK$104,409
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,362/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,749
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,132
−HK$3,437/mo
Today · 4.125%
HK$115,569
baseline
▲ 0.50% · 4.625%
HK$122,601
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,138/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,982
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,227
−HK$3,292/mo
Today · 4.125%
HK$127,519
baseline
▲ 0.50% · 4.625%
HK$134,240
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,038/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,053 · Scale 2, in force from 26 Feb 2026)