LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,574
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,458
−HK$1,914/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$68,289
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,388
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,195
−HK$1,833/mo
Today · 4.125%
HK$71,028
baseline
▲ 0.50% · 4.625%
HK$74,772
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,056/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,688
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$2,297/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,947
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,865
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,034
−HK$2,200/mo
Today · 4.125%
HK$85,234
baseline
▲ 0.50% · 4.625%
HK$89,727
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,468/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,803
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,441
−HK$2,680/mo
Today · 4.125%
HK$90,121
baseline
▲ 0.50% · 4.625%
HK$95,605
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,242/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,343
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,873
−HK$2,567/mo
Today · 4.125%
HK$99,440
baseline
▲ 0.50% · 4.625%
HK$104,681
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,880/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,032
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,424
−HK$3,446/mo
Today · 4.125%
HK$115,870
baseline
▲ 0.50% · 4.625%
HK$122,920
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,740/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,298
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,551
−HK$3,300/mo
Today · 4.125%
HK$127,851
baseline
▲ 0.50% · 4.625%
HK$134,590
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,702/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,986 · Scale 2, in force from 26 Feb 2026)