LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,362
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,178
−HK$1,844/mo
Today · 4.125%
HK$62,022
baseline
▲ 0.50% · 4.625%
HK$65,796
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,044/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,927
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,669
−HK$1,766/mo
Today · 4.125%
HK$68,435
baseline
▲ 0.50% · 4.625%
HK$72,043
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,870/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,035
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,213
−HK$2,213/mo
Today · 4.125%
HK$74,426
baseline
▲ 0.50% · 4.625%
HK$78,955
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,852/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,913
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,002
−HK$2,120/mo
Today · 4.125%
HK$82,122
baseline
▲ 0.50% · 4.625%
HK$86,451
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,244/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,707
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,249
−HK$2,582/mo
Today · 4.125%
HK$86,831
baseline
▲ 0.50% · 4.625%
HK$92,114
+HK$5,283/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,662/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,898
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,336
−HK$2,473/mo
Today · 4.125%
HK$95,809
baseline
▲ 0.50% · 4.625%
HK$100,860
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,618/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,052
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,320
−HK$3,320/mo
Today · 4.125%
HK$111,640
baseline
▲ 0.50% · 4.625%
HK$118,433
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,280/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,869
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,004
−HK$3,179/mo
Today · 4.125%
HK$123,183
baseline
▲ 0.50% · 4.625%
HK$129,677
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,366/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,770 · Scale 2, in force from 26 Feb 2026)