LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,994
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,798
−HK$1,833/mo
Today · 4.125%
HK$61,631
baseline
▲ 0.50% · 4.625%
HK$65,381
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,262/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,518
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,249
−HK$1,755/mo
Today · 4.125%
HK$68,004
baseline
▲ 0.50% · 4.625%
HK$71,588
+HK$3,584/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,008/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,593
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,758
−HK$2,199/mo
Today · 4.125%
HK$73,957
baseline
▲ 0.50% · 4.625%
HK$78,457
+HK$4,500/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,914/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,422
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,498
−HK$2,107/mo
Today · 4.125%
HK$81,605
baseline
▲ 0.50% · 4.625%
HK$85,906
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,210/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,192
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,718
−HK$2,566/mo
Today · 4.125%
HK$86,284
baseline
▲ 0.50% · 4.625%
HK$91,534
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,568/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,325
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,748
−HK$2,457/mo
Today · 4.125%
HK$95,205
baseline
▲ 0.50% · 4.625%
HK$100,224
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,410/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,390
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,637
−HK$3,299/mo
Today · 4.125%
HK$110,936
baseline
▲ 0.50% · 4.625%
HK$117,686
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,872/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,133
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,247
−HK$3,160/mo
Today · 4.125%
HK$122,407
baseline
▲ 0.50% · 4.625%
HK$128,859
+HK$6,452/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,814/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,914 · Scale 2, in force from 26 Feb 2026)