LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,572
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,457
−HK$1,914/mo
Today · 4.125%
HK$64,371
baseline
▲ 0.50% · 4.625%
HK$68,288
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,742/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,386
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,193
−HK$1,834/mo
Today · 4.125%
HK$71,027
baseline
▲ 0.50% · 4.625%
HK$74,771
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,054/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,687
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,948
−HK$2,297/mo
Today · 4.125%
HK$77,245
baseline
▲ 0.50% · 4.625%
HK$81,945
+HK$4,700/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,490/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,863
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,032
−HK$2,200/mo
Today · 4.125%
HK$85,232
baseline
▲ 0.50% · 4.625%
HK$89,725
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,464/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,801
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,439
−HK$2,680/mo
Today · 4.125%
HK$90,119
baseline
▲ 0.50% · 4.625%
HK$95,603
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,238/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,341
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,871
−HK$2,567/mo
Today · 4.125%
HK$99,438
baseline
▲ 0.50% · 4.625%
HK$104,679
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,876/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,030
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,422
−HK$3,446/mo
Today · 4.125%
HK$115,868
baseline
▲ 0.50% · 4.625%
HK$122,918
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,736/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,295
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,548
−HK$3,300/mo
Today · 4.125%
HK$127,848
baseline
▲ 0.50% · 4.625%
HK$134,587
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,696/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,965 · Scale 2, in force from 26 Feb 2026)