LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,384
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,200
−HK$1,845/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,820
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,951
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,693
−HK$1,767/mo
Today · 4.125%
HK$68,460
baseline
▲ 0.50% · 4.625%
HK$72,069
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,920/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,060
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,239
−HK$2,215/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,984
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,941
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,032
−HK$2,120/mo
Today · 4.125%
HK$82,152
baseline
▲ 0.50% · 4.625%
HK$86,483
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,304/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,737
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,279
−HK$2,584/mo
Today · 4.125%
HK$86,863
baseline
▲ 0.50% · 4.625%
HK$92,148
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,726/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,931
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,370
−HK$2,474/mo
Today · 4.125%
HK$95,844
baseline
▲ 0.50% · 4.625%
HK$100,896
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,688/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,090
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,359
−HK$3,321/mo
Today · 4.125%
HK$111,680
baseline
▲ 0.50% · 4.625%
HK$118,476
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,360/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,912
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,047
−HK$3,181/mo
Today · 4.125%
HK$123,228
baseline
▲ 0.50% · 4.625%
HK$129,724
+HK$6,496/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,456/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,167 · Scale 2, in force from 26 Feb 2026)