LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,943
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,746
−HK$1,831/mo
Today · 4.125%
HK$61,577
baseline
▲ 0.50% · 4.625%
HK$65,324
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,154/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,461
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,190
−HK$1,754/mo
Today · 4.125%
HK$67,944
baseline
▲ 0.50% · 4.625%
HK$71,525
+HK$3,581/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,888/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,532
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,695
−HK$2,197/mo
Today · 4.125%
HK$73,892
baseline
▲ 0.50% · 4.625%
HK$78,388
+HK$4,496/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,784/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,354
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,428
−HK$2,105/mo
Today · 4.125%
HK$81,533
baseline
▲ 0.50% · 4.625%
HK$85,830
+HK$4,297/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,066/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,121
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,644
−HK$2,563/mo
Today · 4.125%
HK$86,207
baseline
▲ 0.50% · 4.625%
HK$91,453
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,414/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,246
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,666
−HK$2,455/mo
Today · 4.125%
HK$95,121
baseline
▲ 0.50% · 4.625%
HK$100,135
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,242/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,298
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,542
−HK$3,296/mo
Today · 4.125%
HK$110,838
baseline
▲ 0.50% · 4.625%
HK$117,582
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,676/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,030
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,142
−HK$3,157/mo
Today · 4.125%
HK$122,299
baseline
▲ 0.50% · 4.625%
HK$128,746
+HK$6,447/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,598/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,079,961 · Scale 2, in force from 26 Feb 2026)