LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,421
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,301
−HK$1,909/mo
Today · 4.125%
HK$64,210
baseline
▲ 0.50% · 4.625%
HK$68,118
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,420/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,218
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,021
−HK$1,829/mo
Today · 4.125%
HK$70,850
baseline
▲ 0.50% · 4.625%
HK$74,585
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,700/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,506
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,761
−HK$2,292/mo
Today · 4.125%
HK$77,053
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,106/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,662
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,825
−HK$2,195/mo
Today · 4.125%
HK$85,020
baseline
▲ 0.50% · 4.625%
HK$89,501
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,040/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,590
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,221
−HK$2,674/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$95,365
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,790/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,629
−HK$2,561/mo
Today · 4.125%
HK$99,190
baseline
▲ 0.50% · 4.625%
HK$104,418
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,380/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,759
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,142
−HK$3,437/mo
Today · 4.125%
HK$115,579
baseline
▲ 0.50% · 4.625%
HK$122,612
+HK$7,033/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,158/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,993
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,238
−HK$3,292/mo
Today · 4.125%
HK$127,530
baseline
▲ 0.50% · 4.625%
HK$134,252
+HK$6,722/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,060/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,152 · Scale 2, in force from 26 Feb 2026)