LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,961
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,764
−HK$1,832/mo
Today · 4.125%
HK$61,596
baseline
▲ 0.50% · 4.625%
HK$65,344
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,192/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,481
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,211
−HK$1,754/mo
Today · 4.125%
HK$67,965
baseline
▲ 0.50% · 4.625%
HK$71,548
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,930/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,554
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,717
−HK$2,198/mo
Today · 4.125%
HK$73,915
baseline
▲ 0.50% · 4.625%
HK$78,413
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,830/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,378
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,453
−HK$2,105/mo
Today · 4.125%
HK$81,558
baseline
▲ 0.50% · 4.625%
HK$85,857
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,116/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,146
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,670
−HK$2,565/mo
Today · 4.125%
HK$86,235
baseline
▲ 0.50% · 4.625%
HK$91,482
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,470/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,274
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,695
−HK$2,456/mo
Today · 4.125%
HK$95,151
baseline
▲ 0.50% · 4.625%
HK$100,167
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,302/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,331
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,576
−HK$3,297/mo
Today · 4.125%
HK$110,873
baseline
▲ 0.50% · 4.625%
HK$117,619
+HK$6,746/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,746/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,067
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,180
−HK$3,157/mo
Today · 4.125%
HK$122,337
baseline
▲ 0.50% · 4.625%
HK$128,786
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,674/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,300 · Scale 2, in force from 26 Feb 2026)