LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,413
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,229
−HK$1,846/mo
Today · 4.125%
HK$62,075
baseline
▲ 0.50% · 4.625%
HK$65,853
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,150/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,983
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,726
−HK$1,768/mo
Today · 4.125%
HK$68,494
baseline
▲ 0.50% · 4.625%
HK$72,105
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,988/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,095
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,275
−HK$2,216/mo
Today · 4.125%
HK$74,491
baseline
▲ 0.50% · 4.625%
HK$79,023
+HK$4,532/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,982/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,980
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,071
−HK$2,122/mo
Today · 4.125%
HK$82,193
baseline
▲ 0.50% · 4.625%
HK$86,526
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,386/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,778
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,321
−HK$2,585/mo
Today · 4.125%
HK$86,906
baseline
▲ 0.50% · 4.625%
HK$92,194
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,812/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,977
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,417
−HK$2,475/mo
Today · 4.125%
HK$95,892
baseline
▲ 0.50% · 4.625%
HK$100,946
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,784/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,143
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,413
−HK$3,323/mo
Today · 4.125%
HK$111,736
baseline
▲ 0.50% · 4.625%
HK$118,535
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,472/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,970
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,107
−HK$3,183/mo
Today · 4.125%
HK$123,290
baseline
▲ 0.50% · 4.625%
HK$129,788
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,580/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,708 · Scale 2, in force from 26 Feb 2026)