LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,951
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,753
−HK$1,832/mo
Today · 4.125%
HK$61,585
baseline
▲ 0.50% · 4.625%
HK$65,332
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,170/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,469
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,198
−HK$1,754/mo
Today · 4.125%
HK$67,952
baseline
▲ 0.50% · 4.625%
HK$71,534
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,904/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,541
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,704
−HK$2,197/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$78,398
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,363
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,438
−HK$2,105/mo
Today · 4.125%
HK$81,543
baseline
▲ 0.50% · 4.625%
HK$85,841
+HK$4,298/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,086/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,131
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,654
−HK$2,564/mo
Today · 4.125%
HK$86,218
baseline
▲ 0.50% · 4.625%
HK$91,465
+HK$5,247/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,436/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,257
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,678
−HK$2,455/mo
Today · 4.125%
HK$95,133
baseline
▲ 0.50% · 4.625%
HK$100,148
+HK$5,015/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,266/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,311
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,556
−HK$3,296/mo
Today · 4.125%
HK$110,852
baseline
▲ 0.50% · 4.625%
HK$117,597
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,704/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,045
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,157
−HK$3,157/mo
Today · 4.125%
HK$122,314
baseline
▲ 0.50% · 4.625%
HK$128,762
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,628/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,097 · Scale 2, in force from 26 Feb 2026)