LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,598
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,483
−HK$1,916/mo
Today · 4.125%
HK$64,399
baseline
▲ 0.50% · 4.625%
HK$68,317
+HK$3,918/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,798/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,415
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,223
−HK$1,834/mo
Today · 4.125%
HK$71,057
baseline
▲ 0.50% · 4.625%
HK$74,803
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,114/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,718
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,980
−HK$2,298/mo
Today · 4.125%
HK$77,278
baseline
▲ 0.50% · 4.625%
HK$81,980
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,556/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,898
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,068
−HK$2,201/mo
Today · 4.125%
HK$85,269
baseline
▲ 0.50% · 4.625%
HK$89,764
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,538/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,838
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,477
−HK$2,681/mo
Today · 4.125%
HK$90,158
baseline
▲ 0.50% · 4.625%
HK$95,644
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,316/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,381
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,913
−HK$2,567/mo
Today · 4.125%
HK$99,480
baseline
▲ 0.50% · 4.625%
HK$104,724
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,960/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,077
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,470
−HK$3,447/mo
Today · 4.125%
HK$115,917
baseline
▲ 0.50% · 4.625%
HK$122,971
+HK$7,054/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,834/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,347
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,602
−HK$3,301/mo
Today · 4.125%
HK$127,903
baseline
▲ 0.50% · 4.625%
HK$134,645
+HK$6,742/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,806/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,450 · Scale 2, in force from 26 Feb 2026)