LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,371
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,187
−HK$1,844/mo
Today · 4.125%
HK$62,031
baseline
▲ 0.50% · 4.625%
HK$65,806
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,062/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,937
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,679
−HK$1,767/mo
Today · 4.125%
HK$68,446
baseline
▲ 0.50% · 4.625%
HK$72,053
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,892/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,045
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,224
−HK$2,214/mo
Today · 4.125%
HK$74,438
baseline
▲ 0.50% · 4.625%
HK$78,967
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,876/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,925
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,015
−HK$2,120/mo
Today · 4.125%
HK$82,135
baseline
▲ 0.50% · 4.625%
HK$86,464
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,270/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,719
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,261
−HK$2,583/mo
Today · 4.125%
HK$86,844
baseline
▲ 0.50% · 4.625%
HK$92,128
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,688/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,912
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,350
−HK$2,474/mo
Today · 4.125%
HK$95,824
baseline
▲ 0.50% · 4.625%
HK$100,875
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,648/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,068
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,336
−HK$3,321/mo
Today · 4.125%
HK$111,657
baseline
▲ 0.50% · 4.625%
HK$118,451
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,314/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,887
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,022
−HK$3,180/mo
Today · 4.125%
HK$123,202
baseline
▲ 0.50% · 4.625%
HK$129,696
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,935 · Scale 2, in force from 26 Feb 2026)