LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,550
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,465
−HK$1,945/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$1,147,189 · 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$75,978
+HK$3,805/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$1,147,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,860
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,158
−HK$2,334/mo
Today · 4.125%
HK$78,492
baseline
▲ 0.50% · 4.625%
HK$83,268
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$156,984/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,169
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,373
−HK$2,235/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$1,147,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,851
−HK$2,723/mo
Today · 4.125%
HK$91,574
baseline
▲ 0.50% · 4.625%
HK$97,146
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,148/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,864
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,435
−HK$2,608/mo
Today · 4.125%
HK$101,043
baseline
▲ 0.50% · 4.625%
HK$106,369
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,086/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,790
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,237
−HK$3,501/mo
Today · 4.125%
HK$117,738
baseline
▲ 0.50% · 4.625%
HK$124,902
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,476/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,253
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,559
−HK$3,353/mo
Today · 4.125%
HK$129,912
baseline
▲ 0.50% · 4.625%
HK$136,760
+HK$6,848/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,824/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,189 · Scale 2, in force from 26 Feb 2026)