LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,428
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,909/mo
Today · 4.125%
HK$64,217
baseline
▲ 0.50% · 4.625%
HK$68,125
+HK$3,908/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$1,126,270 · 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$1,126,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,513
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,769
−HK$2,292/mo
Today · 4.125%
HK$77,061
baseline
▲ 0.50% · 4.625%
HK$81,750
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,122/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,834
−HK$2,195/mo
Today · 4.125%
HK$85,029
baseline
▲ 0.50% · 4.625%
HK$89,511
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,058/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,599
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,231
−HK$2,673/mo
Today · 4.125%
HK$89,904
baseline
▲ 0.50% · 4.625%
HK$95,375
+HK$5,471/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$1,126,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,116
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,640
−HK$2,560/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$1,126,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,770
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,154
−HK$3,437/mo
Today · 4.125%
HK$115,591
baseline
▲ 0.50% · 4.625%
HK$122,624
+HK$7,033/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,182/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,006
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,251
−HK$3,292/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$1,126,270 · Scale 2, in force from 26 Feb 2026)