LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,449
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,329
−HK$1,911/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$68,148
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,249
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,052
−HK$1,830/mo
Today · 4.125%
HK$70,882
baseline
▲ 0.50% · 4.625%
HK$74,618
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,764/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,539
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,795
−HK$2,292/mo
Today · 4.125%
HK$77,087
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,691/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,174/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,699
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,863
−HK$2,195/mo
Today · 4.125%
HK$85,058
baseline
▲ 0.50% · 4.625%
HK$89,542
+HK$4,484/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,116/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,628
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,261
−HK$2,674/mo
Today · 4.125%
HK$89,935
baseline
▲ 0.50% · 4.625%
HK$95,408
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,870/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,148
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,673
−HK$2,562/mo
Today · 4.125%
HK$99,235
baseline
▲ 0.50% · 4.625%
HK$104,466
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,470/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,808
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,193
−HK$3,438/mo
Today · 4.125%
HK$115,631
baseline
▲ 0.50% · 4.625%
HK$122,667
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,262/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,048
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,294
−HK$3,294/mo
Today · 4.125%
HK$127,588
baseline
▲ 0.50% · 4.625%
HK$134,313
+HK$6,725/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,176/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,662 · Scale 2, in force from 26 Feb 2026)