LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,394
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,210
−HK$1,846/mo
Today · 4.125%
HK$62,056
baseline
▲ 0.50% · 4.625%
HK$65,831
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,112/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,962
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$1,767/mo
Today · 4.125%
HK$68,472
baseline
▲ 0.50% · 4.625%
HK$72,081
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,944/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,072
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,252
−HK$2,215/mo
Today · 4.125%
HK$74,467
baseline
▲ 0.50% · 4.625%
HK$78,998
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,934/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,955
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,046
−HK$2,121/mo
Today · 4.125%
HK$82,167
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,334/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,751
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,294
−HK$2,584/mo
Today · 4.125%
HK$86,878
baseline
▲ 0.50% · 4.625%
HK$92,164
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,756/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,947
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,387
−HK$2,474/mo
Today · 4.125%
HK$95,861
baseline
▲ 0.50% · 4.625%
HK$100,914
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,722/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,109
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,378
−HK$3,322/mo
Today · 4.125%
HK$111,700
baseline
▲ 0.50% · 4.625%
HK$118,497
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,400/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,932
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,068
−HK$3,182/mo
Today · 4.125%
HK$123,250
baseline
▲ 0.50% · 4.625%
HK$129,747
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,500/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,358 · Scale 2, in force from 26 Feb 2026)