LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,965
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,768
−HK$1,832/mo
Today · 4.125%
HK$61,600
baseline
▲ 0.50% · 4.625%
HK$65,348
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,200/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,485
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$1,754/mo
Today · 4.125%
HK$67,969
baseline
▲ 0.50% · 4.625%
HK$71,552
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,938/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,558
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,721
−HK$2,199/mo
Today · 4.125%
HK$73,920
baseline
▲ 0.50% · 4.625%
HK$78,417
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,840/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,382
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,458
−HK$2,105/mo
Today · 4.125%
HK$81,563
baseline
▲ 0.50% · 4.625%
HK$85,862
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,126/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,151
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,675
−HK$2,565/mo
Today · 4.125%
HK$86,240
baseline
▲ 0.50% · 4.625%
HK$91,487
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,480/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,279
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,701
−HK$2,456/mo
Today · 4.125%
HK$95,157
baseline
▲ 0.50% · 4.625%
HK$100,173
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,314/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,337
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,582
−HK$3,297/mo
Today · 4.125%
HK$110,879
baseline
▲ 0.50% · 4.625%
HK$117,626
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,758/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,073
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,186
−HK$3,158/mo
Today · 4.125%
HK$122,344
baseline
▲ 0.50% · 4.625%
HK$128,793
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,688/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,363 · Scale 2, in force from 26 Feb 2026)