LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,570
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,454
−HK$1,914/mo
Today · 4.125%
HK$64,368
baseline
▲ 0.50% · 4.625%
HK$68,285
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,736/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,384
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,191
−HK$1,833/mo
Today · 4.125%
HK$71,024
baseline
▲ 0.50% · 4.625%
HK$74,768
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,048/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,684
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,945
−HK$2,297/mo
Today · 4.125%
HK$77,242
baseline
▲ 0.50% · 4.625%
HK$81,942
+HK$4,700/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,484/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,860
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,029
−HK$2,200/mo
Today · 4.125%
HK$85,229
baseline
▲ 0.50% · 4.625%
HK$89,722
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,458/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,798
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,436
−HK$2,680/mo
Today · 4.125%
HK$90,116
baseline
▲ 0.50% · 4.625%
HK$95,599
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,232/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,337
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,567/mo
Today · 4.125%
HK$99,434
baseline
▲ 0.50% · 4.625%
HK$104,675
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,868/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,026
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,418
−HK$3,445/mo
Today · 4.125%
HK$115,863
baseline
▲ 0.50% · 4.625%
HK$122,913
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,726/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,291
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,544
−HK$3,300/mo
Today · 4.125%
HK$127,844
baseline
▲ 0.50% · 4.625%
HK$134,582
+HK$6,738/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,688/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,922 · Scale 2, in force from 26 Feb 2026)