LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,574
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,946/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$69,417
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,500
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,338
−HK$1,863/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,007
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,889
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,187
−HK$2,335/mo
Today · 4.125%
HK$78,522
baseline
▲ 0.50% · 4.625%
HK$83,300
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,044/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,201
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,405
−HK$2,237/mo
Today · 4.125%
HK$86,642
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,284/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,204
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,885
−HK$2,724/mo
Today · 4.125%
HK$91,609
baseline
▲ 0.50% · 4.625%
HK$97,184
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,218/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,901
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,473
−HK$2,609/mo
Today · 4.125%
HK$101,082
baseline
▲ 0.50% · 4.625%
HK$106,410
+HK$5,328/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,164/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,833
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,281
−HK$3,502/mo
Today · 4.125%
HK$117,783
baseline
▲ 0.50% · 4.625%
HK$124,950
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,566/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,301
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,608
−HK$3,354/mo
Today · 4.125%
HK$129,962
baseline
▲ 0.50% · 4.625%
HK$136,813
+HK$6,851/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,924/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,632 · Scale 2, in force from 26 Feb 2026)