LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,978
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,782
−HK$1,832/mo
Today · 4.125%
HK$61,614
baseline
▲ 0.50% · 4.625%
HK$65,363
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,228/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,500
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,230
−HK$1,755/mo
Today · 4.125%
HK$67,985
baseline
▲ 0.50% · 4.625%
HK$71,569
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,970/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,574
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,738
−HK$2,199/mo
Today · 4.125%
HK$73,937
baseline
▲ 0.50% · 4.625%
HK$78,436
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,874/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,401
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,476
−HK$2,106/mo
Today · 4.125%
HK$81,582
baseline
▲ 0.50% · 4.625%
HK$85,883
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,164/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,170
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,695
−HK$2,565/mo
Today · 4.125%
HK$86,260
baseline
▲ 0.50% · 4.625%
HK$91,509
+HK$5,249/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,520/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,301
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,723
−HK$2,456/mo
Today · 4.125%
HK$95,179
baseline
▲ 0.50% · 4.625%
HK$100,196
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,358/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,361
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,608
−HK$3,298/mo
Today · 4.125%
HK$110,906
baseline
▲ 0.50% · 4.625%
HK$117,654
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,812/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,101
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,215
−HK$3,158/mo
Today · 4.125%
HK$122,373
baseline
▲ 0.50% · 4.625%
HK$128,824
+HK$6,451/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,746/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,618 · Scale 2, in force from 26 Feb 2026)