LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,559
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,443
−HK$1,913/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$68,272
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,371
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,178
−HK$1,833/mo
Today · 4.125%
HK$71,011
baseline
▲ 0.50% · 4.625%
HK$74,754
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,022/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,671
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,931
−HK$2,297/mo
Today · 4.125%
HK$77,228
baseline
▲ 0.50% · 4.625%
HK$81,927
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,456/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,845
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,014
−HK$2,199/mo
Today · 4.125%
HK$85,213
baseline
▲ 0.50% · 4.625%
HK$89,705
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,426/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,782
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,679/mo
Today · 4.125%
HK$90,099
baseline
▲ 0.50% · 4.625%
HK$95,581
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,198/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,849
−HK$2,566/mo
Today · 4.125%
HK$99,415
baseline
▲ 0.50% · 4.625%
HK$104,656
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,830/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,006
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,397
−HK$3,445/mo
Today · 4.125%
HK$115,842
baseline
▲ 0.50% · 4.625%
HK$122,890
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,684/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,268
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,520
−HK$3,300/mo
Today · 4.125%
HK$127,820
baseline
▲ 0.50% · 4.625%
HK$134,557
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,640/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,713 · Scale 2, in force from 26 Feb 2026)