LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,407
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,224
−HK$1,846/mo
Today · 4.125%
HK$62,070
baseline
▲ 0.50% · 4.625%
HK$65,846
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,140/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,977
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,720
−HK$1,768/mo
Today · 4.125%
HK$68,488
baseline
▲ 0.50% · 4.625%
HK$72,098
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,976/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,269
−HK$2,215/mo
Today · 4.125%
HK$74,484
baseline
▲ 0.50% · 4.625%
HK$79,016
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,968/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,973
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,064
−HK$2,121/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$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,770
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,313
−HK$2,585/mo
Today · 4.125%
HK$86,898
baseline
▲ 0.50% · 4.625%
HK$92,185
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,796/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,968
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,408
−HK$2,475/mo
Today · 4.125%
HK$95,883
baseline
▲ 0.50% · 4.625%
HK$100,937
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,766/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,133
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,403
−HK$3,322/mo
Today · 4.125%
HK$111,725
baseline
▲ 0.50% · 4.625%
HK$118,524
+HK$6,799/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$1,088,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,959
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,096
−HK$3,182/mo
Today · 4.125%
HK$123,278
baseline
▲ 0.50% · 4.625%
HK$129,776
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,556/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,606 · Scale 2, in force from 26 Feb 2026)