LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,442
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,322
−HK$1,910/mo
Today · 4.125%
HK$64,232
baseline
▲ 0.50% · 4.625%
HK$68,140
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,464/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,241
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,044
−HK$1,829/mo
Today · 4.125%
HK$70,873
baseline
▲ 0.50% · 4.625%
HK$74,609
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,746/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,530
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,786
−HK$2,292/mo
Today · 4.125%
HK$77,078
baseline
▲ 0.50% · 4.625%
HK$81,768
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,156/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,689
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,853
−HK$2,195/mo
Today · 4.125%
HK$85,048
baseline
▲ 0.50% · 4.625%
HK$89,531
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,096/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,618
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,250
−HK$2,675/mo
Today · 4.125%
HK$89,925
baseline
▲ 0.50% · 4.625%
HK$95,396
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,850/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,137
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,662
−HK$2,561/mo
Today · 4.125%
HK$99,223
baseline
▲ 0.50% · 4.625%
HK$104,453
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,446/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,795
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,179
−HK$3,438/mo
Today · 4.125%
HK$115,617
baseline
▲ 0.50% · 4.625%
HK$122,652
+HK$7,035/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,234/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,033
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,279
−HK$3,293/mo
Today · 4.125%
HK$127,572
baseline
▲ 0.50% · 4.625%
HK$134,297
+HK$6,725/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,144/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,527 · Scale 2, in force from 26 Feb 2026)