LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,408
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,225
−HK$1,846/mo
Today · 4.125%
HK$62,071
baseline
▲ 0.50% · 4.625%
HK$65,847
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,142/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,978
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,721
−HK$1,768/mo
Today · 4.125%
HK$68,489
baseline
▲ 0.50% · 4.625%
HK$72,099
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,978/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,089
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,270
−HK$2,215/mo
Today · 4.125%
HK$74,485
baseline
▲ 0.50% · 4.625%
HK$79,017
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,970/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,974
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,065
−HK$2,121/mo
Today · 4.125%
HK$82,186
baseline
▲ 0.50% · 4.625%
HK$86,519
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,372/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,771
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,315
−HK$2,584/mo
Today · 4.125%
HK$86,899
baseline
▲ 0.50% · 4.625%
HK$92,186
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,798/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,969
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,409
−HK$2,475/mo
Today · 4.125%
HK$95,884
baseline
▲ 0.50% · 4.625%
HK$100,938
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,768/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,134
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,404
−HK$3,323/mo
Today · 4.125%
HK$111,727
baseline
▲ 0.50% · 4.625%
HK$118,525
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,454/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,961
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,098
−HK$3,182/mo
Today · 4.125%
HK$123,280
baseline
▲ 0.50% · 4.625%
HK$129,778
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,560/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,621 · Scale 2, in force from 26 Feb 2026)