LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,967
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,770
−HK$1,832/mo
Today · 4.125%
HK$61,602
baseline
▲ 0.50% · 4.625%
HK$65,350
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,204/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,488
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,217
−HK$1,755/mo
Today · 4.125%
HK$67,972
baseline
▲ 0.50% · 4.625%
HK$71,555
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,944/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,560
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,724
−HK$2,198/mo
Today · 4.125%
HK$73,922
baseline
▲ 0.50% · 4.625%
HK$78,420
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,844/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,385
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,461
−HK$2,105/mo
Today · 4.125%
HK$81,566
baseline
▲ 0.50% · 4.625%
HK$85,866
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,132/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,154
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,678
−HK$2,565/mo
Today · 4.125%
HK$86,243
baseline
▲ 0.50% · 4.625%
HK$91,490
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,486/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,283
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,704
−HK$2,456/mo
Today · 4.125%
HK$95,160
baseline
▲ 0.50% · 4.625%
HK$100,176
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,320/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,341
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,586
−HK$3,298/mo
Today · 4.125%
HK$110,884
baseline
▲ 0.50% · 4.625%
HK$117,631
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,768/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,078
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,191
−HK$3,158/mo
Today · 4.125%
HK$122,349
baseline
▲ 0.50% · 4.625%
HK$128,798
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,698/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,403 · Scale 2, in force from 26 Feb 2026)