LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,550
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,434
−HK$1,913/mo
Today · 4.125%
HK$64,347
baseline
▲ 0.50% · 4.625%
HK$68,263
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,694/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,361
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,168
−HK$1,833/mo
Today · 4.125%
HK$71,001
baseline
▲ 0.50% · 4.625%
HK$74,743
+HK$3,742/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,002/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,660
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,920
−HK$2,297/mo
Today · 4.125%
HK$77,217
baseline
▲ 0.50% · 4.625%
HK$81,915
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,434/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,834
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,002
−HK$2,199/mo
Today · 4.125%
HK$85,201
baseline
▲ 0.50% · 4.625%
HK$89,692
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,402/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,770
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,407
−HK$2,679/mo
Today · 4.125%
HK$90,086
baseline
▲ 0.50% · 4.625%
HK$95,568
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,172/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,306
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,835
−HK$2,566/mo
Today · 4.125%
HK$99,401
baseline
▲ 0.50% · 4.625%
HK$104,641
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,802/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,990
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,381
−HK$3,444/mo
Today · 4.125%
HK$115,825
baseline
▲ 0.50% · 4.625%
HK$122,873
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,650/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,251
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,502
−HK$3,299/mo
Today · 4.125%
HK$127,801
baseline
▲ 0.50% · 4.625%
HK$134,538
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,602/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,550 · Scale 2, in force from 26 Feb 2026)