LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,433
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,313
−HK$1,910/mo
Today · 4.125%
HK$64,223
baseline
▲ 0.50% · 4.625%
HK$68,131
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,446/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,232
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,035
−HK$1,829/mo
Today · 4.125%
HK$70,864
baseline
▲ 0.50% · 4.625%
HK$74,599
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,728/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,520
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,776
−HK$2,292/mo
Today · 4.125%
HK$77,068
baseline
▲ 0.50% · 4.625%
HK$81,757
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,136/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,678
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,842
−HK$2,195/mo
Today · 4.125%
HK$85,037
baseline
▲ 0.50% · 4.625%
HK$89,519
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,074/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,673/mo
Today · 4.125%
HK$89,912
baseline
▲ 0.50% · 4.625%
HK$95,383
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,824/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,124
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,649
−HK$2,560/mo
Today · 4.125%
HK$99,209
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,418/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,780
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,164
−HK$3,438/mo
Today · 4.125%
HK$115,602
baseline
▲ 0.50% · 4.625%
HK$122,636
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,204/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,017
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,262
−HK$3,293/mo
Today · 4.125%
HK$127,555
baseline
▲ 0.50% · 4.625%
HK$134,279
+HK$6,724/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,110/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,374 · Scale 2, in force from 26 Feb 2026)