LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,998
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,802
−HK$1,833/mo
Today · 4.125%
HK$61,635
baseline
▲ 0.50% · 4.625%
HK$65,385
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,270/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,522
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,253
−HK$1,755/mo
Today · 4.125%
HK$68,008
baseline
▲ 0.50% · 4.625%
HK$71,593
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,016/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,598
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,763
−HK$2,199/mo
Today · 4.125%
HK$73,962
baseline
▲ 0.50% · 4.625%
HK$78,462
+HK$4,500/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,924/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,427
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,503
−HK$2,107/mo
Today · 4.125%
HK$81,610
baseline
▲ 0.50% · 4.625%
HK$85,912
+HK$4,302/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,220/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,197
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,723
−HK$2,566/mo
Today · 4.125%
HK$86,289
baseline
▲ 0.50% · 4.625%
HK$91,540
+HK$5,251/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,578/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,331
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,754
−HK$2,457/mo
Today · 4.125%
HK$95,211
baseline
▲ 0.50% · 4.625%
HK$100,230
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,422/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,397
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,644
−HK$3,299/mo
Today · 4.125%
HK$110,943
baseline
▲ 0.50% · 4.625%
HK$117,694
+HK$6,751/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,886/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,140
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,255
−HK$3,160/mo
Today · 4.125%
HK$122,415
baseline
▲ 0.50% · 4.625%
HK$128,867
+HK$6,452/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,830/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,983 · Scale 2, in force from 26 Feb 2026)