LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,420
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,300
−HK$1,909/mo
Today · 4.125%
HK$64,209
baseline
▲ 0.50% · 4.625%
HK$68,116
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,418/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,217
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,020
−HK$1,829/mo
Today · 4.125%
HK$70,849
baseline
▲ 0.50% · 4.625%
HK$74,583
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,698/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,504
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,760
−HK$2,291/mo
Today · 4.125%
HK$77,051
baseline
▲ 0.50% · 4.625%
HK$81,740
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,102/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,660
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,824
−HK$2,194/mo
Today · 4.125%
HK$85,018
baseline
▲ 0.50% · 4.625%
HK$89,500
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,036/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,589
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,220
−HK$2,673/mo
Today · 4.125%
HK$89,893
baseline
▲ 0.50% · 4.625%
HK$95,363
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,786/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,104
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,628
−HK$2,560/mo
Today · 4.125%
HK$99,188
baseline
▲ 0.50% · 4.625%
HK$104,416
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,376/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,757
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,140
−HK$3,437/mo
Today · 4.125%
HK$115,577
baseline
▲ 0.50% · 4.625%
HK$122,609
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,154/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,991
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,236
−HK$3,291/mo
Today · 4.125%
HK$127,527
baseline
▲ 0.50% · 4.625%
HK$134,250
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,054/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,131 · Scale 2, in force from 26 Feb 2026)