LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,373
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,189
−HK$1,845/mo
Today · 4.125%
HK$62,034
baseline
▲ 0.50% · 4.625%
HK$65,809
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,068/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,940
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,682
−HK$1,766/mo
Today · 4.125%
HK$68,448
baseline
▲ 0.50% · 4.625%
HK$72,056
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,896/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,048
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,227
−HK$2,214/mo
Today · 4.125%
HK$74,441
baseline
▲ 0.50% · 4.625%
HK$78,970
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,882/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,928
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,018
−HK$2,120/mo
Today · 4.125%
HK$82,138
baseline
▲ 0.50% · 4.625%
HK$86,468
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,276/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,723
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,583/mo
Today · 4.125%
HK$86,848
baseline
▲ 0.50% · 4.625%
HK$92,132
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,696/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,916
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,354
−HK$2,474/mo
Today · 4.125%
HK$95,828
baseline
▲ 0.50% · 4.625%
HK$100,879
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,656/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,072
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,341
−HK$3,320/mo
Today · 4.125%
HK$111,661
baseline
▲ 0.50% · 4.625%
HK$118,456
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,322/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,892
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,027
−HK$3,180/mo
Today · 4.125%
HK$123,207
baseline
▲ 0.50% · 4.625%
HK$129,702
+HK$6,495/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,980 · Scale 2, in force from 26 Feb 2026)