LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,972
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,775
−HK$1,832/mo
Today · 4.125%
HK$61,607
baseline
▲ 0.50% · 4.625%
HK$65,356
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,214/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,493
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,223
−HK$1,755/mo
Today · 4.125%
HK$67,978
baseline
▲ 0.50% · 4.625%
HK$71,561
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,956/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,566
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,730
−HK$2,199/mo
Today · 4.125%
HK$73,929
baseline
▲ 0.50% · 4.625%
HK$78,427
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,858/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,392
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,468
−HK$2,105/mo
Today · 4.125%
HK$81,573
baseline
▲ 0.50% · 4.625%
HK$85,873
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,146/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,161
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,685
−HK$2,565/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$91,499
+HK$5,249/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,291
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,712
−HK$2,457/mo
Today · 4.125%
HK$95,169
baseline
▲ 0.50% · 4.625%
HK$100,185
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,338/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,350
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,596
−HK$3,297/mo
Today · 4.125%
HK$110,893
baseline
▲ 0.50% · 4.625%
HK$117,641
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,786/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,088
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,201
−HK$3,159/mo
Today · 4.125%
HK$122,360
baseline
▲ 0.50% · 4.625%
HK$128,810
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,720/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,499 · Scale 2, in force from 26 Feb 2026)