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$68,149
+HK$3,909/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$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,249
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$1,829/mo
Today · 4.125%
HK$70,882
baseline
▲ 0.50% · 4.625%
HK$74,619
+HK$3,737/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$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,539
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,795
−HK$2,293/mo
Today · 4.125%
HK$77,088
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,176/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,699
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,863
−HK$2,196/mo
Today · 4.125%
HK$85,059
baseline
▲ 0.50% · 4.625%
HK$89,542
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,118/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,629
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,261
−HK$2,675/mo
Today · 4.125%
HK$89,936
baseline
▲ 0.50% · 4.625%
HK$95,408
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,872/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,149
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,674
−HK$2,561/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$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,809
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,193
−HK$3,439/mo
Today · 4.125%
HK$115,632
baseline
▲ 0.50% · 4.625%
HK$122,668
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,264/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,048
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,295
−HK$3,293/mo
Today · 4.125%
HK$127,588
baseline
▲ 0.50% · 4.625%
HK$134,314
+HK$6,726/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$1,126,668 · Scale 2, in force from 26 Feb 2026)