LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,963
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,831/mo
Today · 4.125%
HK$61,597
baseline
▲ 0.50% · 4.625%
HK$65,345
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,194/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,483
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$1,755/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$71,549
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,555
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$2,198/mo
Today · 4.125%
HK$73,917
baseline
▲ 0.50% · 4.625%
HK$78,414
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,834/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,379
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,455
−HK$2,105/mo
Today · 4.125%
HK$81,560
baseline
▲ 0.50% · 4.625%
HK$85,859
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,120/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,148
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,672
−HK$2,564/mo
Today · 4.125%
HK$86,236
baseline
▲ 0.50% · 4.625%
HK$91,484
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,472/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,276
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,697
−HK$2,456/mo
Today · 4.125%
HK$95,153
baseline
▲ 0.50% · 4.625%
HK$100,169
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,306/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,333
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,578
−HK$3,297/mo
Today · 4.125%
HK$110,875
baseline
▲ 0.50% · 4.625%
HK$117,622
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,750/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,069
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,182
−HK$3,158/mo
Today · 4.125%
HK$122,340
baseline
▲ 0.50% · 4.625%
HK$128,789
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,680/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,322 · Scale 2, in force from 26 Feb 2026)