LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,585
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,501
−HK$1,946/mo
Today · 4.125%
HK$65,447
baseline
▲ 0.50% · 4.625%
HK$69,430
+HK$3,983/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,894/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,513
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,351
−HK$1,864/mo
Today · 4.125%
HK$72,215
baseline
▲ 0.50% · 4.625%
HK$76,021
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,430/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,902
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,201
−HK$2,336/mo
Today · 4.125%
HK$78,537
baseline
▲ 0.50% · 4.625%
HK$83,316
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,074/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,216
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,421
−HK$2,237/mo
Today · 4.125%
HK$86,658
baseline
▲ 0.50% · 4.625%
HK$91,225
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,316/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,220
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,901
−HK$2,725/mo
Today · 4.125%
HK$91,626
baseline
▲ 0.50% · 4.625%
HK$97,201
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,252/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,918
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,491
−HK$2,610/mo
Today · 4.125%
HK$101,101
baseline
▲ 0.50% · 4.625%
HK$106,430
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,202/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,854
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,302
−HK$3,503/mo
Today · 4.125%
HK$117,805
baseline
▲ 0.50% · 4.625%
HK$124,973
+HK$7,168/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,610/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,324
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,631
−HK$3,355/mo
Today · 4.125%
HK$129,986
baseline
▲ 0.50% · 4.625%
HK$136,838
+HK$6,852/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$259,972/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,844 · Scale 2, in force from 26 Feb 2026)