LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,431
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,910/mo
Today · 4.125%
HK$64,220
baseline
▲ 0.50% · 4.625%
HK$68,128
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,440/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,228
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,032
−HK$1,829/mo
Today · 4.125%
HK$70,861
baseline
▲ 0.50% · 4.625%
HK$74,596
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,722/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,517
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,772
−HK$2,292/mo
Today · 4.125%
HK$77,064
baseline
▲ 0.50% · 4.625%
HK$81,753
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,128/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,674
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,838
−HK$2,195/mo
Today · 4.125%
HK$85,033
baseline
▲ 0.50% · 4.625%
HK$89,515
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,066/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,603
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,235
−HK$2,673/mo
Today · 4.125%
HK$89,908
baseline
▲ 0.50% · 4.625%
HK$95,379
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,816/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,120
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,644
−HK$2,561/mo
Today · 4.125%
HK$99,205
baseline
▲ 0.50% · 4.625%
HK$104,434
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,410/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,775
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,159
−HK$3,437/mo
Today · 4.125%
HK$115,596
baseline
▲ 0.50% · 4.625%
HK$122,630
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,192/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,011
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,257
−HK$3,292/mo
Today · 4.125%
HK$127,549
baseline
▲ 0.50% · 4.625%
HK$134,272
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,098/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,322 · Scale 2, in force from 26 Feb 2026)