LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,428
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,307
−HK$1,910/mo
Today · 4.125%
HK$64,217
baseline
▲ 0.50% · 4.625%
HK$68,124
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,434/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,225
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,028
−HK$1,829/mo
Today · 4.125%
HK$70,857
baseline
▲ 0.50% · 4.625%
HK$74,592
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,714/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,513
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,769
−HK$2,291/mo
Today · 4.125%
HK$77,060
baseline
▲ 0.50% · 4.625%
HK$81,749
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,120/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,834
−HK$2,194/mo
Today · 4.125%
HK$85,028
baseline
▲ 0.50% · 4.625%
HK$89,510
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,056/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,599
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,230
−HK$2,674/mo
Today · 4.125%
HK$89,904
baseline
▲ 0.50% · 4.625%
HK$95,374
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,808/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,115
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,639
−HK$2,561/mo
Today · 4.125%
HK$99,200
baseline
▲ 0.50% · 4.625%
HK$104,429
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,400/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,770
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,153
−HK$3,437/mo
Today · 4.125%
HK$115,590
baseline
▲ 0.50% · 4.625%
HK$122,624
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,180/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,005
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,250
−HK$3,293/mo
Today · 4.125%
HK$127,543
baseline
▲ 0.50% · 4.625%
HK$134,266
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,086/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,265 · Scale 2, in force from 26 Feb 2026)