LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,378
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,194
−HK$1,845/mo
Today · 4.125%
HK$62,039
baseline
▲ 0.50% · 4.625%
HK$65,814
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,078/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,945
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$1,767/mo
Today · 4.125%
HK$68,454
baseline
▲ 0.50% · 4.625%
HK$72,062
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,908/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,054
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,233
−HK$2,214/mo
Today · 4.125%
HK$74,447
baseline
▲ 0.50% · 4.625%
HK$78,977
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,894/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,934
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,024
−HK$2,121/mo
Today · 4.125%
HK$82,145
baseline
▲ 0.50% · 4.625%
HK$86,475
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,290/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,729
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,272
−HK$2,582/mo
Today · 4.125%
HK$86,854
baseline
▲ 0.50% · 4.625%
HK$92,139
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,708/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,923
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,362
−HK$2,473/mo
Today · 4.125%
HK$95,835
baseline
▲ 0.50% · 4.625%
HK$100,887
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,670/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,081
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,349
−HK$3,321/mo
Today · 4.125%
HK$111,670
baseline
▲ 0.50% · 4.625%
HK$118,465
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,340/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,901
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,036
−HK$3,181/mo
Today · 4.125%
HK$123,217
baseline
▲ 0.50% · 4.625%
HK$129,712
+HK$6,495/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,434/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,066 · Scale 2, in force from 26 Feb 2026)