LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,597
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,482
−HK$1,915/mo
Today · 4.125%
HK$64,397
baseline
▲ 0.50% · 4.625%
HK$68,316
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,794/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,414
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,222
−HK$1,834/mo
Today · 4.125%
HK$71,056
baseline
▲ 0.50% · 4.625%
HK$74,801
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,112/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,717
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,979
−HK$2,298/mo
Today · 4.125%
HK$77,277
baseline
▲ 0.50% · 4.625%
HK$81,979
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,554/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,897
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,066
−HK$2,201/mo
Today · 4.125%
HK$85,267
baseline
▲ 0.50% · 4.625%
HK$89,762
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,534/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,836
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,475
−HK$2,681/mo
Today · 4.125%
HK$90,156
baseline
▲ 0.50% · 4.625%
HK$95,642
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,312/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,379
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,910
−HK$2,568/mo
Today · 4.125%
HK$99,478
baseline
▲ 0.50% · 4.625%
HK$104,722
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,956/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,075
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,468
−HK$3,447/mo
Today · 4.125%
HK$115,915
baseline
▲ 0.50% · 4.625%
HK$122,968
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,830/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,345
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,599
−HK$3,302/mo
Today · 4.125%
HK$127,901
baseline
▲ 0.50% · 4.625%
HK$134,642
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,802/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,426 · Scale 2, in force from 26 Feb 2026)