LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,438
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,318
−HK$1,910/mo
Today · 4.125%
HK$64,228
baseline
▲ 0.50% · 4.625%
HK$68,136
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,456/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,236
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,040
−HK$1,829/mo
Today · 4.125%
HK$70,869
baseline
▲ 0.50% · 4.625%
HK$74,604
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,738/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,525
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,781
−HK$2,292/mo
Today · 4.125%
HK$77,073
baseline
▲ 0.50% · 4.625%
HK$81,763
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,146/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,684
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,847
−HK$2,196/mo
Today · 4.125%
HK$85,043
baseline
▲ 0.50% · 4.625%
HK$89,525
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,086/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,613
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,245
−HK$2,674/mo
Today · 4.125%
HK$89,919
baseline
▲ 0.50% · 4.625%
HK$95,390
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,838/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,131
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,655
−HK$2,561/mo
Today · 4.125%
HK$99,216
baseline
▲ 0.50% · 4.625%
HK$104,446
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,432/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,788
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,172
−HK$3,438/mo
Today · 4.125%
HK$115,610
baseline
▲ 0.50% · 4.625%
HK$122,644
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,220/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,025
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,271
−HK$3,293/mo
Today · 4.125%
HK$127,564
baseline
▲ 0.50% · 4.625%
HK$134,288
+HK$6,724/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,128/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,453 · Scale 2, in force from 26 Feb 2026)