LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,521
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,403
−HK$1,913/mo
Today · 4.125%
HK$64,316
baseline
▲ 0.50% · 4.625%
HK$68,229
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,632/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,329
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$1,832/mo
Today · 4.125%
HK$70,966
baseline
▲ 0.50% · 4.625%
HK$74,707
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,932/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,625
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,884
−HK$2,295/mo
Today · 4.125%
HK$77,179
baseline
▲ 0.50% · 4.625%
HK$81,875
+HK$4,696/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$154,358/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,794
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,961
−HK$2,198/mo
Today · 4.125%
HK$85,159
baseline
▲ 0.50% · 4.625%
HK$89,648
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$170,318/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,729
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,365
−HK$2,677/mo
Today · 4.125%
HK$90,042
baseline
▲ 0.50% · 4.625%
HK$95,521
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,084/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,260
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,788
−HK$2,565/mo
Today · 4.125%
HK$99,353
baseline
▲ 0.50% · 4.625%
HK$104,590
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,706/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,937
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,326
−HK$3,443/mo
Today · 4.125%
HK$115,769
baseline
▲ 0.50% · 4.625%
HK$122,813
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,538/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,192
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,442
−HK$3,297/mo
Today · 4.125%
HK$127,739
baseline
▲ 0.50% · 4.625%
HK$134,473
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,478/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,001 · Scale 2, in force from 26 Feb 2026)