LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,405
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,222
−HK$1,845/mo
Today · 4.125%
HK$62,067
baseline
▲ 0.50% · 4.625%
HK$65,844
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,134/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,975
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,717
−HK$1,768/mo
Today · 4.125%
HK$68,485
baseline
▲ 0.50% · 4.625%
HK$72,095
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,970/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,086
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,266
−HK$2,215/mo
Today · 4.125%
HK$74,481
baseline
▲ 0.50% · 4.625%
HK$79,013
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,962/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,970
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,061
−HK$2,121/mo
Today · 4.125%
HK$82,182
baseline
▲ 0.50% · 4.625%
HK$86,514
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,364/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,767
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,310
−HK$2,584/mo
Today · 4.125%
HK$86,894
baseline
▲ 0.50% · 4.625%
HK$92,182
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,788/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,965
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,404
−HK$2,475/mo
Today · 4.125%
HK$95,879
baseline
▲ 0.50% · 4.625%
HK$100,933
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,758/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,129
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,399
−HK$3,322/mo
Today · 4.125%
HK$111,721
baseline
▲ 0.50% · 4.625%
HK$118,519
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,442/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,955
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,091
−HK$3,182/mo
Today · 4.125%
HK$123,273
baseline
▲ 0.50% · 4.625%
HK$129,771
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,546/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,564 · Scale 2, in force from 26 Feb 2026)