LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,369
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,185
−HK$1,844/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,804
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,935
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,677
−HK$1,766/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,051
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,043
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,222
−HK$2,213/mo
Today · 4.125%
HK$74,435
baseline
▲ 0.50% · 4.625%
HK$78,964
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,870/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,922
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,012
−HK$2,120/mo
Today · 4.125%
HK$82,132
baseline
▲ 0.50% · 4.625%
HK$86,461
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,264/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,717
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,259
−HK$2,582/mo
Today · 4.125%
HK$86,841
baseline
▲ 0.50% · 4.625%
HK$92,125
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,682/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,909
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,347
−HK$2,474/mo
Today · 4.125%
HK$95,821
baseline
▲ 0.50% · 4.625%
HK$100,872
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,642/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,064
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,333
−HK$3,320/mo
Today · 4.125%
HK$111,653
baseline
▲ 0.50% · 4.625%
HK$118,447
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,306/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,883
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,018
−HK$3,180/mo
Today · 4.125%
HK$123,198
baseline
▲ 0.50% · 4.625%
HK$129,692
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,396/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,899 · Scale 2, in force from 26 Feb 2026)