LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,953
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,756
−HK$1,831/mo
Today · 4.125%
HK$61,587
baseline
▲ 0.50% · 4.625%
HK$65,335
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,174/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,472
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,201
−HK$1,754/mo
Today · 4.125%
HK$67,955
baseline
▲ 0.50% · 4.625%
HK$71,537
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,910/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,544
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,707
−HK$2,198/mo
Today · 4.125%
HK$73,905
baseline
▲ 0.50% · 4.625%
HK$78,402
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,810/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,367
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,442
−HK$2,104/mo
Today · 4.125%
HK$81,546
baseline
▲ 0.50% · 4.625%
HK$85,845
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,092/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,134
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,658
−HK$2,564/mo
Today · 4.125%
HK$86,222
baseline
▲ 0.50% · 4.625%
HK$91,468
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,444/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,261
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,682
−HK$2,456/mo
Today · 4.125%
HK$95,138
baseline
▲ 0.50% · 4.625%
HK$100,152
+HK$5,014/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,276/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,315
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,560
−HK$3,297/mo
Today · 4.125%
HK$110,857
baseline
▲ 0.50% · 4.625%
HK$117,602
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,714/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,050
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,162
−HK$3,158/mo
Today · 4.125%
HK$122,320
baseline
▲ 0.50% · 4.625%
HK$128,767
+HK$6,447/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,640/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,144 · Scale 2, in force from 26 Feb 2026)