LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,968
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,771
−HK$1,832/mo
Today · 4.125%
HK$61,603
baseline
▲ 0.50% · 4.625%
HK$65,352
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,206/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,489
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,219
−HK$1,754/mo
Today · 4.125%
HK$67,973
baseline
▲ 0.50% · 4.625%
HK$71,556
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,946/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,562
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,726
−HK$2,198/mo
Today · 4.125%
HK$73,924
baseline
▲ 0.50% · 4.625%
HK$78,422
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,848/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,387
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,462
−HK$2,106/mo
Today · 4.125%
HK$81,568
baseline
▲ 0.50% · 4.625%
HK$85,867
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,136/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,155
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,680
−HK$2,565/mo
Today · 4.125%
HK$86,245
baseline
▲ 0.50% · 4.625%
HK$91,492
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,490/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,285
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,706
−HK$2,456/mo
Today · 4.125%
HK$95,162
baseline
▲ 0.50% · 4.625%
HK$100,179
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,324/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,343
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,588
−HK$3,298/mo
Today · 4.125%
HK$110,886
baseline
▲ 0.50% · 4.625%
HK$117,633
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,772/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,080
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,193
−HK$3,159/mo
Today · 4.125%
HK$122,352
baseline
▲ 0.50% · 4.625%
HK$128,801
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,704/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,426 · Scale 2, in force from 26 Feb 2026)