LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,574
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,458
−HK$1,915/mo
Today · 4.125%
HK$64,373
baseline
▲ 0.50% · 4.625%
HK$68,289
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,746/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,388
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,195
−HK$1,834/mo
Today · 4.125%
HK$71,029
baseline
▲ 0.50% · 4.625%
HK$74,773
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,058/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,689
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,950
−HK$2,297/mo
Today · 4.125%
HK$77,247
baseline
▲ 0.50% · 4.625%
HK$81,947
+HK$4,700/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,494/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,866
−HK$4,368/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$1,128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,804
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,441
−HK$2,681/mo
Today · 4.125%
HK$90,122
baseline
▲ 0.50% · 4.625%
HK$95,605
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,244/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,994 · 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$104,682
+HK$5,242/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$1,128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,033
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,425
−HK$3,446/mo
Today · 4.125%
HK$115,871
baseline
▲ 0.50% · 4.625%
HK$122,921
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,742/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,298
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,552
−HK$3,300/mo
Today · 4.125%
HK$127,852
baseline
▲ 0.50% · 4.625%
HK$134,591
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,704/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,994 · Scale 2, in force from 26 Feb 2026)