LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,568
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,484
−HK$1,945/mo
Today · 4.125%
HK$65,429
baseline
▲ 0.50% · 4.625%
HK$69,411
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,858/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,494
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,331
−HK$1,864/mo
Today · 4.125%
HK$72,195
baseline
▲ 0.50% · 4.625%
HK$76,000
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,390/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,882
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,180
−HK$2,335/mo
Today · 4.125%
HK$78,515
baseline
▲ 0.50% · 4.625%
HK$83,293
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,030/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,193
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,398
−HK$2,236/mo
Today · 4.125%
HK$86,634
baseline
▲ 0.50% · 4.625%
HK$91,200
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,268/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,196
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,877
−HK$2,724/mo
Today · 4.125%
HK$91,601
baseline
▲ 0.50% · 4.625%
HK$97,175
+HK$5,574/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,202/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,892
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,464
−HK$2,609/mo
Today · 4.125%
HK$101,073
baseline
▲ 0.50% · 4.625%
HK$106,400
+HK$5,327/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,146/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,823
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,271
−HK$3,502/mo
Today · 4.125%
HK$117,773
baseline
▲ 0.50% · 4.625%
HK$124,939
+HK$7,166/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,546/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,290
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,596
−HK$3,355/mo
Today · 4.125%
HK$129,951
baseline
▲ 0.50% · 4.625%
HK$136,801
+HK$6,850/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,902/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,530 · Scale 2, in force from 26 Feb 2026)