LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,525
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,408
−HK$1,912/mo
Today · 4.125%
HK$64,320
baseline
▲ 0.50% · 4.625%
HK$68,234
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,640/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,333
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,139
−HK$1,832/mo
Today · 4.125%
HK$70,971
baseline
▲ 0.50% · 4.625%
HK$74,712
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,942/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,630
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,889
−HK$2,295/mo
Today · 4.125%
HK$77,184
baseline
▲ 0.50% · 4.625%
HK$81,881
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,368/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,800
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,967
−HK$2,198/mo
Today · 4.125%
HK$85,165
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,330/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,735
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,371
−HK$2,677/mo
Today · 4.125%
HK$90,048
baseline
▲ 0.50% · 4.625%
HK$95,528
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,096/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,267
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,795
−HK$2,565/mo
Today · 4.125%
HK$99,360
baseline
▲ 0.50% · 4.625%
HK$104,597
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,720/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,945
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,334
−HK$3,442/mo
Today · 4.125%
HK$115,776
baseline
▲ 0.50% · 4.625%
HK$122,821
+HK$7,045/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,552/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,200
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,450
−HK$3,298/mo
Today · 4.125%
HK$127,748
baseline
▲ 0.50% · 4.625%
HK$134,482
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,496/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,078 · Scale 2, in force from 26 Feb 2026)