LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,423
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,302
−HK$1,910/mo
Today · 4.125%
HK$64,212
baseline
▲ 0.50% · 4.625%
HK$68,119
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,424/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,220
−HK$3,631/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$1,126,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,507
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,763
−HK$2,291/mo
Today · 4.125%
HK$77,054
baseline
▲ 0.50% · 4.625%
HK$81,743
+HK$4,689/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$1,126,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,664
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,827
−HK$2,195/mo
Today · 4.125%
HK$85,022
baseline
▲ 0.50% · 4.625%
HK$89,503
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,044/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,592
−HK$5,304/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$1,126,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,108
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,631
−HK$2,561/mo
Today · 4.125%
HK$99,192
baseline
▲ 0.50% · 4.625%
HK$104,420
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,384/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,761
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,144
−HK$3,437/mo
Today · 4.125%
HK$115,581
baseline
▲ 0.50% · 4.625%
HK$122,614
+HK$7,033/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$1,126,174 · 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$134,255
+HK$6,723/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$1,126,174 · Scale 2, in force from 26 Feb 2026)