LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,579
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,494
−HK$1,946/mo
Today · 4.125%
HK$65,440
baseline
▲ 0.50% · 4.625%
HK$69,422
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,880/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,506
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,343
−HK$1,864/mo
Today · 4.125%
HK$72,207
baseline
▲ 0.50% · 4.625%
HK$76,013
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,414/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,895
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,193
−HK$2,336/mo
Today · 4.125%
HK$78,529
baseline
▲ 0.50% · 4.625%
HK$83,307
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,058/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,207
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,412
−HK$2,237/mo
Today · 4.125%
HK$86,649
baseline
▲ 0.50% · 4.625%
HK$91,216
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,298/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,211
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,892
−HK$2,725/mo
Today · 4.125%
HK$91,617
baseline
▲ 0.50% · 4.625%
HK$97,191
+HK$5,574/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,234/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,908
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,481
−HK$2,609/mo
Today · 4.125%
HK$101,090
baseline
▲ 0.50% · 4.625%
HK$106,419
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,180/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,842
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,290
−HK$3,503/mo
Today · 4.125%
HK$117,793
baseline
▲ 0.50% · 4.625%
HK$124,960
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,586/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,311
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,618
−HK$3,355/mo
Today · 4.125%
HK$129,973
baseline
▲ 0.50% · 4.625%
HK$136,824
+HK$6,851/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,946/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,724 · Scale 2, in force from 26 Feb 2026)