LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,422
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,302
−HK$1,909/mo
Today · 4.125%
HK$64,211
baseline
▲ 0.50% · 4.625%
HK$68,119
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,422/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,219
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,022
−HK$1,829/mo
Today · 4.125%
HK$70,851
baseline
▲ 0.50% · 4.625%
HK$74,586
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,702/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,507
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,762
−HK$2,292/mo
Today · 4.125%
HK$77,054
baseline
▲ 0.50% · 4.625%
HK$81,742
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,108/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,663
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,827
−HK$2,194/mo
Today · 4.125%
HK$85,021
baseline
▲ 0.50% · 4.625%
HK$89,503
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,042/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,591
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,223
−HK$2,673/mo
Today · 4.125%
HK$89,896
baseline
▲ 0.50% · 4.625%
HK$95,366
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,792/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,107
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,631
−HK$2,560/mo
Today · 4.125%
HK$99,191
baseline
▲ 0.50% · 4.625%
HK$104,420
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,382/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,760
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,143
−HK$3,438/mo
Today · 4.125%
HK$115,581
baseline
▲ 0.50% · 4.625%
HK$122,613
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,162/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,995
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,240
−HK$3,292/mo
Today · 4.125%
HK$127,532
baseline
▲ 0.50% · 4.625%
HK$134,254
+HK$6,722/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,064/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,170 · Scale 2, in force from 26 Feb 2026)