LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,607
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,492
−HK$1,915/mo
Today · 4.125%
HK$64,407
baseline
▲ 0.50% · 4.625%
HK$68,326
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,814/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,424
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,232
−HK$1,835/mo
Today · 4.125%
HK$71,067
baseline
▲ 0.50% · 4.625%
HK$74,813
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,134/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,990
−HK$2,298/mo
Today · 4.125%
HK$77,288
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,576/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,909
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,079
−HK$2,201/mo
Today · 4.125%
HK$85,280
baseline
▲ 0.50% · 4.625%
HK$89,775
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,560/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,849
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,488
−HK$2,682/mo
Today · 4.125%
HK$90,170
baseline
▲ 0.50% · 4.625%
HK$95,657
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,340/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,394
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,925
−HK$2,569/mo
Today · 4.125%
HK$99,494
baseline
▲ 0.50% · 4.625%
HK$104,738
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$198,988/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,092
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,485
−HK$3,448/mo
Today · 4.125%
HK$115,933
baseline
▲ 0.50% · 4.625%
HK$122,987
+HK$7,054/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,866/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,363
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,618
−HK$3,302/mo
Today · 4.125%
HK$127,920
baseline
▲ 0.50% · 4.625%
HK$134,663
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,840/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,600 · Scale 2, in force from 26 Feb 2026)