LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,596
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,915/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$68,314
+HK$3,918/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,412
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,220
−HK$1,835/mo
Today · 4.125%
HK$71,055
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,110/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,715
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,977
−HK$2,298/mo
Today · 4.125%
HK$77,275
baseline
▲ 0.50% · 4.625%
HK$81,977
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,550/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,895
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,065
−HK$2,200/mo
Today · 4.125%
HK$85,265
baseline
▲ 0.50% · 4.625%
HK$89,760
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,530/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,834
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,473
−HK$2,681/mo
Today · 4.125%
HK$90,154
baseline
▲ 0.50% · 4.625%
HK$95,640
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,308/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,377
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,909
−HK$2,567/mo
Today · 4.125%
HK$99,476
baseline
▲ 0.50% · 4.625%
HK$104,720
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,952/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,073
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,466
−HK$3,447/mo
Today · 4.125%
HK$115,913
baseline
▲ 0.50% · 4.625%
HK$122,966
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,826/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,342
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,597
−HK$3,301/mo
Today · 4.125%
HK$127,898
baseline
▲ 0.50% · 4.625%
HK$134,640
+HK$6,742/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,796/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,404 · Scale 2, in force from 26 Feb 2026)