LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,419
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,298
−HK$1,910/mo
Today · 4.125%
HK$64,208
baseline
▲ 0.50% · 4.625%
HK$68,115
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,416/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,216
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,018
−HK$1,829/mo
Today · 4.125%
HK$70,847
baseline
▲ 0.50% · 4.625%
HK$74,581
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,694/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,503
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,758
−HK$2,291/mo
Today · 4.125%
HK$77,049
baseline
▲ 0.50% · 4.625%
HK$81,738
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,098/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,659
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,822
−HK$2,194/mo
Today · 4.125%
HK$85,016
baseline
▲ 0.50% · 4.625%
HK$89,498
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,032/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,587
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,218
−HK$2,673/mo
Today · 4.125%
HK$89,891
baseline
▲ 0.50% · 4.625%
HK$95,361
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,782/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,102
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,625
−HK$2,561/mo
Today · 4.125%
HK$99,186
baseline
▲ 0.50% · 4.625%
HK$104,414
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,372/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,754
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,137
−HK$3,437/mo
Today · 4.125%
HK$115,574
baseline
▲ 0.50% · 4.625%
HK$122,606
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,148/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,988
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,233
−HK$3,292/mo
Today · 4.125%
HK$127,525
baseline
▲ 0.50% · 4.625%
HK$134,247
+HK$6,722/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,050/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,105 · Scale 2, in force from 26 Feb 2026)