LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,521
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,913/mo
Today · 4.125%
HK$64,317
baseline
▲ 0.50% · 4.625%
HK$68,230
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,634/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,329
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,135
−HK$1,832/mo
Today · 4.125%
HK$70,967
baseline
▲ 0.50% · 4.625%
HK$74,708
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,934/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,626
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,885
−HK$2,295/mo
Today · 4.125%
HK$77,180
baseline
▲ 0.50% · 4.625%
HK$81,876
+HK$4,696/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$154,360/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,795
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,962
−HK$2,199/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$89,649
+HK$4,488/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,730
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,366
−HK$2,677/mo
Today · 4.125%
HK$90,043
baseline
▲ 0.50% · 4.625%
HK$95,522
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,086/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,261
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,789
−HK$2,565/mo
Today · 4.125%
HK$99,354
baseline
▲ 0.50% · 4.625%
HK$104,591
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,708/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,939
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,327
−HK$3,443/mo
Today · 4.125%
HK$115,770
baseline
▲ 0.50% · 4.625%
HK$122,814
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,540/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,193
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,443
−HK$3,298/mo
Today · 4.125%
HK$127,741
baseline
▲ 0.50% · 4.625%
HK$134,474
+HK$6,733/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,482/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,014 · Scale 2, in force from 26 Feb 2026)