LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,381
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,197
−HK$1,845/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$1,767/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,065
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,057
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,236
−HK$2,214/mo
Today · 4.125%
HK$74,450
baseline
▲ 0.50% · 4.625%
HK$78,980
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,900/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,937
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,028
−HK$2,120/mo
Today · 4.125%
HK$82,148
baseline
▲ 0.50% · 4.625%
HK$86,478
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,296/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,733
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,275
−HK$2,583/mo
Today · 4.125%
HK$86,858
baseline
▲ 0.50% · 4.625%
HK$92,143
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,716/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,927
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,366
−HK$2,474/mo
Today · 4.125%
HK$95,840
baseline
▲ 0.50% · 4.625%
HK$100,891
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,680/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,085
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,354
−HK$3,321/mo
Today · 4.125%
HK$111,675
baseline
▲ 0.50% · 4.625%
HK$118,470
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,350/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,906
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,042
−HK$3,180/mo
Today · 4.125%
HK$123,222
baseline
▲ 0.50% · 4.625%
HK$129,718
+HK$6,496/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,444/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,114 · Scale 2, in force from 26 Feb 2026)