LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,410
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,227
−HK$1,846/mo
Today · 4.125%
HK$62,073
baseline
▲ 0.50% · 4.625%
HK$65,850
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,146/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,981
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,724
−HK$1,767/mo
Today · 4.125%
HK$68,491
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,982/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,092
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,273
−HK$2,215/mo
Today · 4.125%
HK$74,488
baseline
▲ 0.50% · 4.625%
HK$79,020
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,976/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,977
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,068
−HK$2,122/mo
Today · 4.125%
HK$82,190
baseline
▲ 0.50% · 4.625%
HK$86,522
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,380/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,774
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,318
−HK$2,584/mo
Today · 4.125%
HK$86,902
baseline
▲ 0.50% · 4.625%
HK$92,190
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,804/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,973
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,413
−HK$2,475/mo
Today · 4.125%
HK$95,888
baseline
▲ 0.50% · 4.625%
HK$100,942
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,776/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,138
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,409
−HK$3,322/mo
Today · 4.125%
HK$111,731
baseline
▲ 0.50% · 4.625%
HK$118,530
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,462/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,965
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,102
−HK$3,183/mo
Today · 4.125%
HK$123,285
baseline
▲ 0.50% · 4.625%
HK$129,783
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,570/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,665 · Scale 2, in force from 26 Feb 2026)