LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,395
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,212
−HK$1,845/mo
Today · 4.125%
HK$62,057
baseline
▲ 0.50% · 4.625%
HK$65,833
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,114/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,964
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,706
−HK$1,768/mo
Today · 4.125%
HK$68,474
baseline
▲ 0.50% · 4.625%
HK$72,083
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,948/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,074
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$2,215/mo
Today · 4.125%
HK$74,469
baseline
▲ 0.50% · 4.625%
HK$79,000
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,938/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,957
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,048
−HK$2,121/mo
Today · 4.125%
HK$82,169
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,338/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,753
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,296
−HK$2,584/mo
Today · 4.125%
HK$86,880
baseline
▲ 0.50% · 4.625%
HK$92,166
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,760/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,950
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,389
−HK$2,475/mo
Today · 4.125%
HK$95,864
baseline
▲ 0.50% · 4.625%
HK$100,917
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,728/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,111
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,381
−HK$3,322/mo
Today · 4.125%
HK$111,703
baseline
▲ 0.50% · 4.625%
HK$118,500
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,935
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,072
−HK$3,181/mo
Today · 4.125%
HK$123,253
baseline
▲ 0.50% · 4.625%
HK$129,750
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,506/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,386 · Scale 2, in force from 26 Feb 2026)