LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,440
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,910/mo
Today · 4.125%
HK$64,230
baseline
▲ 0.50% · 4.625%
HK$68,138
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,460/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,239
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$1,830/mo
Today · 4.125%
HK$70,872
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,744/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,528
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,784
−HK$2,292/mo
Today · 4.125%
HK$77,076
baseline
▲ 0.50% · 4.625%
HK$81,766
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,152/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,687
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,851
−HK$2,195/mo
Today · 4.125%
HK$85,046
baseline
▲ 0.50% · 4.625%
HK$89,529
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,092/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,616
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,248
−HK$2,674/mo
Today · 4.125%
HK$89,922
baseline
▲ 0.50% · 4.625%
HK$95,394
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,844/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,134
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,659
−HK$2,561/mo
Today · 4.125%
HK$99,220
baseline
▲ 0.50% · 4.625%
HK$104,450
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,440/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,792
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,176
−HK$3,438/mo
Today · 4.125%
HK$115,614
baseline
▲ 0.50% · 4.625%
HK$122,649
+HK$7,035/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,228/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,030
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,276
−HK$3,293/mo
Today · 4.125%
HK$127,569
baseline
▲ 0.50% · 4.625%
HK$134,293
+HK$6,724/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,138/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,497 · Scale 2, in force from 26 Feb 2026)