LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,563
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,478
−HK$1,945/mo
Today · 4.125%
HK$65,423
baseline
▲ 0.50% · 4.625%
HK$69,404
+HK$3,981/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,846/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,488
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,325
−HK$1,863/mo
Today · 4.125%
HK$72,188
baseline
▲ 0.50% · 4.625%
HK$75,993
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,376/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,875
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,173
−HK$2,335/mo
Today · 4.125%
HK$78,508
baseline
▲ 0.50% · 4.625%
HK$83,285
+HK$4,777/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,016/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,185
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,390
−HK$2,236/mo
Today · 4.125%
HK$86,626
baseline
▲ 0.50% · 4.625%
HK$91,192
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,252/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,188
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,869
−HK$2,723/mo
Today · 4.125%
HK$91,592
baseline
▲ 0.50% · 4.625%
HK$97,166
+HK$5,574/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,184/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,883
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,454
−HK$2,609/mo
Today · 4.125%
HK$101,063
baseline
▲ 0.50% · 4.625%
HK$106,390
+HK$5,327/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,126/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,813
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,260
−HK$3,502/mo
Today · 4.125%
HK$117,762
baseline
▲ 0.50% · 4.625%
HK$124,927
+HK$7,165/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,524/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,278
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,584
−HK$3,354/mo
Today · 4.125%
HK$129,938
baseline
▲ 0.50% · 4.625%
HK$136,788
+HK$6,850/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,876/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,421 · Scale 2, in force from 26 Feb 2026)