LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,956
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,759
−HK$1,832/mo
Today · 4.125%
HK$61,591
baseline
▲ 0.50% · 4.625%
HK$65,339
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,182/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,476
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,205
−HK$1,754/mo
Today · 4.125%
HK$67,959
baseline
▲ 0.50% · 4.625%
HK$71,542
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,918/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,548
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$2,198/mo
Today · 4.125%
HK$73,909
baseline
▲ 0.50% · 4.625%
HK$78,406
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,818/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,371
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,446
−HK$2,105/mo
Today · 4.125%
HK$81,551
baseline
▲ 0.50% · 4.625%
HK$85,850
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,102/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,139
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,663
−HK$2,564/mo
Today · 4.125%
HK$86,227
baseline
▲ 0.50% · 4.625%
HK$91,474
+HK$5,247/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,454/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,266
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,687
−HK$2,456/mo
Today · 4.125%
HK$95,143
baseline
▲ 0.50% · 4.625%
HK$100,158
+HK$5,015/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,286/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,322
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,567
−HK$3,297/mo
Today · 4.125%
HK$110,864
baseline
▲ 0.50% · 4.625%
HK$117,609
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,728/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,057
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,169
−HK$3,158/mo
Today · 4.125%
HK$122,327
baseline
▲ 0.50% · 4.625%
HK$128,775
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,654/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,208 · Scale 2, in force from 26 Feb 2026)