LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,582
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,946/mo
Today · 4.125%
HK$65,444
baseline
▲ 0.50% · 4.625%
HK$69,426
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,888/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,347
−HK$1,864/mo
Today · 4.125%
HK$72,211
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$3,807/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,422/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,899
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,198
−HK$2,335/mo
Today · 4.125%
HK$78,533
baseline
▲ 0.50% · 4.625%
HK$83,312
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,066/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,212
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,417
−HK$2,236/mo
Today · 4.125%
HK$86,653
baseline
▲ 0.50% · 4.625%
HK$91,221
+HK$4,568/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,306/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,215
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,897
−HK$2,725/mo
Today · 4.125%
HK$91,622
baseline
▲ 0.50% · 4.625%
HK$97,197
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,244/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,914
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,486
−HK$2,610/mo
Today · 4.125%
HK$101,096
baseline
▲ 0.50% · 4.625%
HK$106,425
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,192/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,848
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,296
−HK$3,504/mo
Today · 4.125%
HK$117,800
baseline
▲ 0.50% · 4.625%
HK$124,967
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,600/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,318
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,625
−HK$3,355/mo
Today · 4.125%
HK$129,980
baseline
▲ 0.50% · 4.625%
HK$136,832
+HK$6,852/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$259,960/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,790 · Scale 2, in force from 26 Feb 2026)