LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,550
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,464
−HK$1,946/mo
Today · 4.125%
HK$65,410
baseline
▲ 0.50% · 4.625%
HK$69,390
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,820/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,474
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,310
−HK$1,863/mo
Today · 4.125%
HK$72,173
baseline
▲ 0.50% · 4.625%
HK$75,977
+HK$3,804/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,346/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,860
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,157
−HK$2,334/mo
Today · 4.125%
HK$78,491
baseline
▲ 0.50% · 4.625%
HK$83,267
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$156,982/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,168
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,372
−HK$2,236/mo
Today · 4.125%
HK$86,608
baseline
▲ 0.50% · 4.625%
HK$91,173
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,216/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,850
−HK$2,723/mo
Today · 4.125%
HK$91,573
baseline
▲ 0.50% · 4.625%
HK$97,145
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,146/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,863
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,434
−HK$2,608/mo
Today · 4.125%
HK$101,042
baseline
▲ 0.50% · 4.625%
HK$106,368
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,084/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,790
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,236
−HK$3,501/mo
Today · 4.125%
HK$117,737
baseline
▲ 0.50% · 4.625%
HK$124,901
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,474/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,252
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,558
−HK$3,353/mo
Today · 4.125%
HK$129,911
baseline
▲ 0.50% · 4.625%
HK$136,759
+HK$6,848/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,822/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,182 · Scale 2, in force from 26 Feb 2026)