LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,614
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,916/mo
Today · 4.125%
HK$64,415
baseline
▲ 0.50% · 4.625%
HK$68,335
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,830/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,433
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,241
−HK$1,835/mo
Today · 4.125%
HK$71,076
baseline
▲ 0.50% · 4.625%
HK$74,822
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,152/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,737
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$2,299/mo
Today · 4.125%
HK$77,298
baseline
▲ 0.50% · 4.625%
HK$82,002
+HK$4,704/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,596/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,919
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,089
−HK$2,202/mo
Today · 4.125%
HK$85,291
baseline
▲ 0.50% · 4.625%
HK$89,787
+HK$4,496/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,582/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,860
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,499
−HK$2,682/mo
Today · 4.125%
HK$90,181
baseline
▲ 0.50% · 4.625%
HK$95,668
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,362/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,406
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,937
−HK$2,569/mo
Today · 4.125%
HK$99,506
baseline
▲ 0.50% · 4.625%
HK$104,751
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$199,012/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,105
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,499
−HK$3,448/mo
Today · 4.125%
HK$115,947
baseline
▲ 0.50% · 4.625%
HK$123,002
+HK$7,055/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,894/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,379
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$124,634
−HK$3,302/mo
Today · 4.125%
HK$127,936
baseline
▲ 0.50% · 4.625%
HK$134,680
+HK$6,744/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,872/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,741 · Scale 2, in force from 26 Feb 2026)