LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,418
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,297
−HK$1,910/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$68,114
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,214
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,017
−HK$1,829/mo
Today · 4.125%
HK$70,846
baseline
▲ 0.50% · 4.625%
HK$74,580
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,692/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,502
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,757
−HK$2,291/mo
Today · 4.125%
HK$77,048
baseline
▲ 0.50% · 4.625%
HK$81,736
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,096/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,657
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,821
−HK$2,194/mo
Today · 4.125%
HK$85,015
baseline
▲ 0.50% · 4.625%
HK$89,496
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,030/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,585
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,216
−HK$2,673/mo
Today · 4.125%
HK$89,889
baseline
▲ 0.50% · 4.625%
HK$95,359
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,778/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,100
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,624
−HK$2,560/mo
Today · 4.125%
HK$99,184
baseline
▲ 0.50% · 4.625%
HK$104,412
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,368/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,752
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,135
−HK$3,437/mo
Today · 4.125%
HK$115,572
baseline
▲ 0.50% · 4.625%
HK$122,604
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,144/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,986
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,231
−HK$3,292/mo
Today · 4.125%
HK$127,523
baseline
▲ 0.50% · 4.625%
HK$134,244
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,046/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,087 · Scale 2, in force from 26 Feb 2026)