LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,439
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,319
−HK$1,910/mo
Today · 4.125%
HK$64,229
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,458/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,237
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,041
−HK$1,829/mo
Today · 4.125%
HK$70,870
baseline
▲ 0.50% · 4.625%
HK$74,606
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,740/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,526
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,782
−HK$2,292/mo
Today · 4.125%
HK$77,074
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,148/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,685
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,849
−HK$2,195/mo
Today · 4.125%
HK$85,044
baseline
▲ 0.50% · 4.625%
HK$89,527
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,088/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,614
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,246
−HK$2,674/mo
Today · 4.125%
HK$89,920
baseline
▲ 0.50% · 4.625%
HK$95,392
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,840/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,132
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,657
−HK$2,561/mo
Today · 4.125%
HK$99,218
baseline
▲ 0.50% · 4.625%
HK$104,448
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,436/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,790
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,174
−HK$3,438/mo
Today · 4.125%
HK$115,612
baseline
▲ 0.50% · 4.625%
HK$122,646
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,224/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,027
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,273
−HK$3,293/mo
Today · 4.125%
HK$127,566
baseline
▲ 0.50% · 4.625%
HK$134,290
+HK$6,724/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,132/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,472 · Scale 2, in force from 26 Feb 2026)