LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,612
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,497
−HK$1,916/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$68,332
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,430
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,239
−HK$1,834/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$74,819
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,734
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,997
−HK$2,298/mo
Today · 4.125%
HK$77,295
baseline
▲ 0.50% · 4.625%
HK$81,999
+HK$4,704/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,590/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,916
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,086
−HK$2,202/mo
Today · 4.125%
HK$85,288
baseline
▲ 0.50% · 4.625%
HK$89,783
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,576/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,857
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,496
−HK$2,682/mo
Today · 4.125%
HK$90,178
baseline
▲ 0.50% · 4.625%
HK$95,665
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,356/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,402
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,934
−HK$2,568/mo
Today · 4.125%
HK$99,502
baseline
▲ 0.50% · 4.625%
HK$104,747
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$199,004/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,101
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,495
−HK$3,448/mo
Today · 4.125%
HK$115,943
baseline
▲ 0.50% · 4.625%
HK$122,998
+HK$7,055/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,886/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,374
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,629
−HK$3,303/mo
Today · 4.125%
HK$127,932
baseline
▲ 0.50% · 4.625%
HK$134,675
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,864/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,700 · Scale 2, in force from 26 Feb 2026)