LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,548
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,431
−HK$1,914/mo
Today · 4.125%
HK$64,345
baseline
▲ 0.50% · 4.625%
HK$68,260
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,690/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,359
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,165
−HK$1,833/mo
Today · 4.125%
HK$70,998
baseline
▲ 0.50% · 4.625%
HK$74,740
+HK$3,742/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$141,996/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,657
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,917
−HK$2,297/mo
Today · 4.125%
HK$77,214
baseline
▲ 0.50% · 4.625%
HK$81,912
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,428/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,830
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$82,998
−HK$2,200/mo
Today · 4.125%
HK$85,198
baseline
▲ 0.50% · 4.625%
HK$89,688
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,396/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,767
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,404
−HK$2,678/mo
Today · 4.125%
HK$90,082
baseline
▲ 0.50% · 4.625%
HK$95,564
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,164/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,302
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,831
−HK$2,566/mo
Today · 4.125%
HK$99,397
baseline
▲ 0.50% · 4.625%
HK$104,636
+HK$5,239/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,794/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,986
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,376
−HK$3,444/mo
Today · 4.125%
HK$115,820
baseline
▲ 0.50% · 4.625%
HK$122,868
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,640/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,246
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,497
−HK$3,299/mo
Today · 4.125%
HK$127,796
baseline
▲ 0.50% · 4.625%
HK$134,533
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,592/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,504 · Scale 2, in force from 26 Feb 2026)