LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,942
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,745
−HK$1,831/mo
Today · 4.125%
HK$61,576
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,746/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,152/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,460
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,189
−HK$1,754/mo
Today · 4.125%
HK$67,943
baseline
▲ 0.50% · 4.625%
HK$71,524
+HK$3,581/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,886/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,531
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,693
−HK$2,198/mo
Today · 4.125%
HK$73,891
baseline
▲ 0.50% · 4.625%
HK$78,387
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,782/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,352
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,427
−HK$2,104/mo
Today · 4.125%
HK$81,531
baseline
▲ 0.50% · 4.625%
HK$85,829
+HK$4,298/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$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,119
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,642
−HK$2,564/mo
Today · 4.125%
HK$86,206
baseline
▲ 0.50% · 4.625%
HK$91,451
+HK$5,245/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,412/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,244
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,664
−HK$2,456/mo
Today · 4.125%
HK$95,120
baseline
▲ 0.50% · 4.625%
HK$100,134
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,240/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,296
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,540
−HK$3,296/mo
Today · 4.125%
HK$110,836
baseline
▲ 0.50% · 4.625%
HK$117,580
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,672/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,028
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,140
−HK$3,157/mo
Today · 4.125%
HK$122,297
baseline
▲ 0.50% · 4.625%
HK$128,743
+HK$6,446/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,594/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,941 · Scale 2, in force from 26 Feb 2026)