LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,978
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,781
−HK$1,832/mo
Today · 4.125%
HK$61,613
baseline
▲ 0.50% · 4.625%
HK$65,362
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,226/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,500
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,229
−HK$1,755/mo
Today · 4.125%
HK$67,984
baseline
▲ 0.50% · 4.625%
HK$71,568
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,968/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,573
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,737
−HK$2,199/mo
Today · 4.125%
HK$73,936
baseline
▲ 0.50% · 4.625%
HK$78,435
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,872/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,399
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,475
−HK$2,106/mo
Today · 4.125%
HK$81,581
baseline
▲ 0.50% · 4.625%
HK$85,881
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,162/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,169
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,694
−HK$2,565/mo
Today · 4.125%
HK$86,259
baseline
▲ 0.50% · 4.625%
HK$91,507
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,518/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,299
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,721
−HK$2,457/mo
Today · 4.125%
HK$95,178
baseline
▲ 0.50% · 4.625%
HK$100,195
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,356/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,360
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,606
−HK$3,298/mo
Today · 4.125%
HK$110,904
baseline
▲ 0.50% · 4.625%
HK$117,652
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,808/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,099
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,213
−HK$3,159/mo
Today · 4.125%
HK$122,372
baseline
▲ 0.50% · 4.625%
HK$128,822
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,744/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,603 · Scale 2, in force from 26 Feb 2026)