LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,365
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,181
−HK$1,844/mo
Today · 4.125%
HK$62,025
baseline
▲ 0.50% · 4.625%
HK$65,799
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,050/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,931
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,672
−HK$1,767/mo
Today · 4.125%
HK$68,439
baseline
▲ 0.50% · 4.625%
HK$72,046
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,878/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,038
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,217
−HK$2,213/mo
Today · 4.125%
HK$74,430
baseline
▲ 0.50% · 4.625%
HK$78,959
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,860/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,917
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,007
−HK$2,120/mo
Today · 4.125%
HK$82,127
baseline
▲ 0.50% · 4.625%
HK$86,456
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,254/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,711
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,253
−HK$2,582/mo
Today · 4.125%
HK$86,835
baseline
▲ 0.50% · 4.625%
HK$92,119
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,670/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,903
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,341
−HK$2,473/mo
Today · 4.125%
HK$95,814
baseline
▲ 0.50% · 4.625%
HK$100,865
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,628/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,057
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,325
−HK$3,321/mo
Today · 4.125%
HK$111,646
baseline
▲ 0.50% · 4.625%
HK$118,439
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,292/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,875
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,010
−HK$3,180/mo
Today · 4.125%
HK$123,190
baseline
▲ 0.50% · 4.625%
HK$129,683
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,380/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,827 · Scale 2, in force from 26 Feb 2026)