LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,379
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,195
−HK$1,845/mo
Today · 4.125%
HK$62,040
baseline
▲ 0.50% · 4.625%
HK$65,815
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,080/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,946
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,688
−HK$1,767/mo
Today · 4.125%
HK$68,455
baseline
▲ 0.50% · 4.625%
HK$72,063
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,910/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,055
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,234
−HK$2,214/mo
Today · 4.125%
HK$74,448
baseline
▲ 0.50% · 4.625%
HK$78,978
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,896/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,935
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,026
−HK$2,120/mo
Today · 4.125%
HK$82,146
baseline
▲ 0.50% · 4.625%
HK$86,476
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,292/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,731
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,273
−HK$2,583/mo
Today · 4.125%
HK$86,856
baseline
▲ 0.50% · 4.625%
HK$92,141
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,712/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,925
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,363
−HK$2,474/mo
Today · 4.125%
HK$95,837
baseline
▲ 0.50% · 4.625%
HK$100,889
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,674/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,083
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,351
−HK$3,321/mo
Today · 4.125%
HK$111,672
baseline
▲ 0.50% · 4.625%
HK$118,467
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,344/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,903
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,039
−HK$3,180/mo
Today · 4.125%
HK$123,219
baseline
▲ 0.50% · 4.625%
HK$129,714
+HK$6,495/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,438/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,086 · Scale 2, in force from 26 Feb 2026)