LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,414
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,846/mo
Today · 4.125%
HK$62,077
baseline
▲ 0.50% · 4.625%
HK$65,854
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,154/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,985
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,727
−HK$1,768/mo
Today · 4.125%
HK$68,495
baseline
▲ 0.50% · 4.625%
HK$72,106
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,990/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,096
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,277
−HK$2,215/mo
Today · 4.125%
HK$74,492
baseline
▲ 0.50% · 4.625%
HK$79,025
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,984/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,981
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,073
−HK$2,122/mo
Today · 4.125%
HK$82,195
baseline
▲ 0.50% · 4.625%
HK$86,527
+HK$4,332/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,390/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,779
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,323
−HK$2,584/mo
Today · 4.125%
HK$86,907
baseline
▲ 0.50% · 4.625%
HK$92,195
+HK$5,288/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$173,814/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,978
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,418
−HK$2,476/mo
Today · 4.125%
HK$95,894
baseline
▲ 0.50% · 4.625%
HK$100,948
+HK$5,054/mo
Deposit HK$7.69M · loan HK$17.93M · min. income ≈ HK$191,788/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,145
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,415
−HK$3,323/mo
Today · 4.125%
HK$111,738
baseline
▲ 0.50% · 4.625%
HK$118,537
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,476/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,972
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,109
−HK$3,183/mo
Today · 4.125%
HK$123,292
baseline
▲ 0.50% · 4.625%
HK$129,791
+HK$6,499/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,584/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,728 · Scale 2, in force from 26 Feb 2026)