LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,411
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,909/mo
Today · 4.125%
HK$64,199
baseline
▲ 0.50% · 4.625%
HK$68,105
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,398/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,206
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,009
−HK$1,828/mo
Today · 4.125%
HK$70,837
baseline
▲ 0.50% · 4.625%
HK$74,571
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,674/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,493
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,748
−HK$2,291/mo
Today · 4.125%
HK$77,039
baseline
▲ 0.50% · 4.625%
HK$81,726
+HK$4,687/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,078/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,648
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,810
−HK$2,195/mo
Today · 4.125%
HK$85,005
baseline
▲ 0.50% · 4.625%
HK$89,485
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,010/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,575
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,206
−HK$2,673/mo
Today · 4.125%
HK$89,879
baseline
▲ 0.50% · 4.625%
HK$95,347
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,758/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,089
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,612
−HK$2,560/mo
Today · 4.125%
HK$99,172
baseline
▲ 0.50% · 4.625%
HK$104,400
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,344/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,739
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,122
−HK$3,436/mo
Today · 4.125%
HK$115,558
baseline
▲ 0.50% · 4.625%
HK$122,590
+HK$7,032/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,116/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,971
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,216
−HK$3,291/mo
Today · 4.125%
HK$127,507
baseline
▲ 0.50% · 4.625%
HK$134,228
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$255,014/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,950 · Scale 2, in force from 26 Feb 2026)