LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,374
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,845/mo
Today · 4.125%
HK$62,035
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,070/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,941
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,683
−HK$1,766/mo
Today · 4.125%
HK$68,449
baseline
▲ 0.50% · 4.625%
HK$72,058
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,898/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,049
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,228
−HK$2,214/mo
Today · 4.125%
HK$74,442
baseline
▲ 0.50% · 4.625%
HK$78,972
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,884/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,929
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,019
−HK$2,120/mo
Today · 4.125%
HK$82,139
baseline
▲ 0.50% · 4.625%
HK$86,469
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,278/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,724
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,266
−HK$2,583/mo
Today · 4.125%
HK$86,849
baseline
▲ 0.50% · 4.625%
HK$92,134
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,698/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,917
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,356
−HK$2,473/mo
Today · 4.125%
HK$95,829
baseline
▲ 0.50% · 4.625%
HK$100,881
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,658/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,074
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,342
−HK$3,321/mo
Today · 4.125%
HK$111,663
baseline
▲ 0.50% · 4.625%
HK$118,457
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,326/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,894
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,029
−HK$3,180/mo
Today · 4.125%
HK$123,209
baseline
▲ 0.50% · 4.625%
HK$129,704
+HK$6,495/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,418/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,997 · Scale 2, in force from 26 Feb 2026)