LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,361
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,176
−HK$1,845/mo
Today · 4.125%
HK$62,021
baseline
▲ 0.50% · 4.625%
HK$65,795
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,042/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,926
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,667
−HK$1,767/mo
Today · 4.125%
HK$68,434
baseline
▲ 0.50% · 4.625%
HK$72,041
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,868/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,033
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,212
−HK$2,213/mo
Today · 4.125%
HK$74,425
baseline
▲ 0.50% · 4.625%
HK$78,953
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,850/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,911
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,001
−HK$2,120/mo
Today · 4.125%
HK$82,121
baseline
▲ 0.50% · 4.625%
HK$86,449
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,242/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,705
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,247
−HK$2,582/mo
Today · 4.125%
HK$86,829
baseline
▲ 0.50% · 4.625%
HK$92,112
+HK$5,283/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,658/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,896
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,334
−HK$2,473/mo
Today · 4.125%
HK$95,807
baseline
▲ 0.50% · 4.625%
HK$100,857
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,614/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,050
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,317
−HK$3,320/mo
Today · 4.125%
HK$111,637
baseline
▲ 0.50% · 4.625%
HK$118,430
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,274/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,867
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,001
−HK$3,180/mo
Today · 4.125%
HK$123,181
baseline
▲ 0.50% · 4.625%
HK$129,674
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,362/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,748 · Scale 2, in force from 26 Feb 2026)