LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,575
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,490
−HK$1,946/mo
Today · 4.125%
HK$65,436
baseline
▲ 0.50% · 4.625%
HK$69,418
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,872/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,501
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,339
−HK$1,863/mo
Today · 4.125%
HK$72,202
baseline
▲ 0.50% · 4.625%
HK$76,008
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,404/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,890
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,188
−HK$2,335/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,202
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,406
−HK$2,237/mo
Today · 4.125%
HK$86,643
baseline
▲ 0.50% · 4.625%
HK$91,210
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,286/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,205
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,886
−HK$2,725/mo
Today · 4.125%
HK$91,611
baseline
▲ 0.50% · 4.625%
HK$97,185
+HK$5,574/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,222/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,902
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,474
−HK$2,609/mo
Today · 4.125%
HK$101,083
baseline
▲ 0.50% · 4.625%
HK$106,412
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,166/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,835
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,282
−HK$3,503/mo
Today · 4.125%
HK$117,785
baseline
▲ 0.50% · 4.625%
HK$124,952
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,570/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,303
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,610
−HK$3,354/mo
Today · 4.125%
HK$129,964
baseline
▲ 0.50% · 4.625%
HK$136,815
+HK$6,851/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,928/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,649 · Scale 2, in force from 26 Feb 2026)