LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,390
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,206
−HK$1,846/mo
Today · 4.125%
HK$62,052
baseline
▲ 0.50% · 4.625%
HK$65,827
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,104/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,958
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,701
−HK$1,767/mo
Today · 4.125%
HK$68,468
baseline
▲ 0.50% · 4.625%
HK$72,077
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,936/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,068
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,248
−HK$2,214/mo
Today · 4.125%
HK$74,462
baseline
▲ 0.50% · 4.625%
HK$78,993
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,924/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,950
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,041
−HK$2,121/mo
Today · 4.125%
HK$82,162
baseline
▲ 0.50% · 4.625%
HK$86,492
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,324/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,746
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,289
−HK$2,583/mo
Today · 4.125%
HK$86,872
baseline
▲ 0.50% · 4.625%
HK$92,158
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,744/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,942
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,381
−HK$2,474/mo
Today · 4.125%
HK$95,855
baseline
▲ 0.50% · 4.625%
HK$100,908
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,710/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,102
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,371
−HK$3,322/mo
Today · 4.125%
HK$111,693
baseline
▲ 0.50% · 4.625%
HK$118,489
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,386/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,925
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,061
−HK$3,181/mo
Today · 4.125%
HK$123,242
baseline
▲ 0.50% · 4.625%
HK$129,739
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,484/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,290 · Scale 2, in force from 26 Feb 2026)