LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,549
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,432
−HK$1,914/mo
Today · 4.125%
HK$64,346
baseline
▲ 0.50% · 4.625%
HK$68,261
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,692/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,360
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,167
−HK$1,832/mo
Today · 4.125%
HK$70,999
baseline
▲ 0.50% · 4.625%
HK$74,742
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$141,998/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,659
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,919
−HK$2,296/mo
Today · 4.125%
HK$77,215
baseline
▲ 0.50% · 4.625%
HK$81,914
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,430/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,832
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,000
−HK$2,199/mo
Today · 4.125%
HK$85,199
baseline
▲ 0.50% · 4.625%
HK$89,690
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,398/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,769
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,405
−HK$2,679/mo
Today · 4.125%
HK$90,084
baseline
▲ 0.50% · 4.625%
HK$95,566
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,168/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,304
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,833
−HK$2,566/mo
Today · 4.125%
HK$99,399
baseline
▲ 0.50% · 4.625%
HK$104,639
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,798/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,988
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,378
−HK$3,445/mo
Today · 4.125%
HK$115,823
baseline
▲ 0.50% · 4.625%
HK$122,870
+HK$7,047/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,646/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,248
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,500
−HK$3,299/mo
Today · 4.125%
HK$127,799
baseline
▲ 0.50% · 4.625%
HK$134,536
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,598/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,529 · Scale 2, in force from 26 Feb 2026)