LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,942
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,744
−HK$1,831/mo
Today · 4.125%
HK$61,575
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,150/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,460
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,188
−HK$1,754/mo
Today · 4.125%
HK$67,942
baseline
▲ 0.50% · 4.625%
HK$71,524
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,884/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,530
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,693
−HK$2,197/mo
Today · 4.125%
HK$73,890
baseline
▲ 0.50% · 4.625%
HK$78,386
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,780/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,352
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,426
−HK$2,105/mo
Today · 4.125%
HK$81,531
baseline
▲ 0.50% · 4.625%
HK$85,828
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,062/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,119
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,642
−HK$2,563/mo
Today · 4.125%
HK$86,205
baseline
▲ 0.50% · 4.625%
HK$91,451
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,410/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,244
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,664
−HK$2,455/mo
Today · 4.125%
HK$95,119
baseline
▲ 0.50% · 4.625%
HK$100,133
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,238/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,295
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,539
−HK$3,296/mo
Today · 4.125%
HK$110,835
baseline
▲ 0.50% · 4.625%
HK$117,580
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,670/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,027
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,139
−HK$3,157/mo
Today · 4.125%
HK$122,296
baseline
▲ 0.50% · 4.625%
HK$128,742
+HK$6,446/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,592/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,935 · Scale 2, in force from 26 Feb 2026)