LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,580
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,496
−HK$1,946/mo
Today · 4.125%
HK$65,442
baseline
▲ 0.50% · 4.625%
HK$69,424
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,884/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,508
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,345
−HK$1,864/mo
Today · 4.125%
HK$72,209
baseline
▲ 0.50% · 4.625%
HK$76,015
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,418/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,897
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,195
−HK$2,335/mo
Today · 4.125%
HK$78,530
baseline
▲ 0.50% · 4.625%
HK$83,309
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,060/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,209
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,414
−HK$2,237/mo
Today · 4.125%
HK$86,651
baseline
▲ 0.50% · 4.625%
HK$91,218
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,302/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,213
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,894
−HK$2,725/mo
Today · 4.125%
HK$91,619
baseline
▲ 0.50% · 4.625%
HK$97,194
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,238/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,911
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,483
−HK$2,609/mo
Today · 4.125%
HK$101,092
baseline
▲ 0.50% · 4.625%
HK$106,421
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,184/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,845
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,293
−HK$3,503/mo
Today · 4.125%
HK$117,796
baseline
▲ 0.50% · 4.625%
HK$124,963
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,592/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,314
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,621
−HK$3,355/mo
Today · 4.125%
HK$129,976
baseline
▲ 0.50% · 4.625%
HK$136,827
+HK$6,851/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$259,952/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,752 · Scale 2, in force from 26 Feb 2026)