LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,557
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,441
−HK$1,913/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$68,270
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,369
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,176
−HK$1,833/mo
Today · 4.125%
HK$71,009
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,018/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,668
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,929
−HK$2,296/mo
Today · 4.125%
HK$77,225
baseline
▲ 0.50% · 4.625%
HK$81,924
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,450/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,843
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,011
−HK$2,200/mo
Today · 4.125%
HK$85,211
baseline
▲ 0.50% · 4.625%
HK$89,702
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,422/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,780
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,417
−HK$2,679/mo
Today · 4.125%
HK$90,096
baseline
▲ 0.50% · 4.625%
HK$95,578
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,192/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,317
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,846
−HK$2,566/mo
Today · 4.125%
HK$99,412
baseline
▲ 0.50% · 4.625%
HK$104,652
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,824/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,003
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,393
−HK$3,445/mo
Today · 4.125%
HK$115,838
baseline
▲ 0.50% · 4.625%
HK$122,886
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,676/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,264
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,517
−HK$3,299/mo
Today · 4.125%
HK$127,816
baseline
▲ 0.50% · 4.625%
HK$134,553
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,632/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,677 · Scale 2, in force from 26 Feb 2026)