LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,407
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,223
−HK$1,846/mo
Today · 4.125%
HK$62,069
baseline
▲ 0.50% · 4.625%
HK$65,846
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,138/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,977
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,720
−HK$1,767/mo
Today · 4.125%
HK$68,487
baseline
▲ 0.50% · 4.625%
HK$72,097
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,974/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,268
−HK$2,215/mo
Today · 4.125%
HK$74,483
baseline
▲ 0.50% · 4.625%
HK$79,015
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,966/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,972
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,063
−HK$2,122/mo
Today · 4.125%
HK$82,185
baseline
▲ 0.50% · 4.625%
HK$86,517
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,370/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,769
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,313
−HK$2,584/mo
Today · 4.125%
HK$86,897
baseline
▲ 0.50% · 4.625%
HK$92,185
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,794/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,968
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,407
−HK$2,475/mo
Today · 4.125%
HK$95,882
baseline
▲ 0.50% · 4.625%
HK$100,936
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,764/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,132
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,402
−HK$3,323/mo
Today · 4.125%
HK$111,725
baseline
▲ 0.50% · 4.625%
HK$118,523
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,450/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,958
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,095
−HK$3,182/mo
Today · 4.125%
HK$123,277
baseline
▲ 0.50% · 4.625%
HK$129,775
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,554/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,599 · Scale 2, in force from 26 Feb 2026)