LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,436
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,910/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,037
−HK$1,829/mo
Today · 4.125%
HK$70,866
baseline
▲ 0.50% · 4.625%
HK$74,602
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,732/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,523
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,778
−HK$2,292/mo
Today · 4.125%
HK$77,070
baseline
▲ 0.50% · 4.625%
HK$81,760
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,140/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,681
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,845
−HK$2,195/mo
Today · 4.125%
HK$85,040
baseline
▲ 0.50% · 4.625%
HK$89,522
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,080/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,610
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,242
−HK$2,674/mo
Today · 4.125%
HK$89,916
baseline
▲ 0.50% · 4.625%
HK$95,387
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,832/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,127
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,652
−HK$2,561/mo
Today · 4.125%
HK$99,213
baseline
▲ 0.50% · 4.625%
HK$104,443
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,426/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,784
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,168
−HK$3,438/mo
Today · 4.125%
HK$115,606
baseline
▲ 0.50% · 4.625%
HK$122,640
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,212/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,021
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,267
−HK$3,292/mo
Today · 4.125%
HK$127,559
baseline
▲ 0.50% · 4.625%
HK$134,283
+HK$6,724/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,118/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,413 · Scale 2, in force from 26 Feb 2026)