LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,682
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,569
−HK$1,918/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$68,411
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,508
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,318
−HK$1,837/mo
Today · 4.125%
HK$71,155
baseline
▲ 0.50% · 4.625%
HK$74,906
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,310/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,818
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,083
−HK$2,301/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$82,093
+HK$4,709/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,009
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,182
−HK$2,204/mo
Today · 4.125%
HK$85,386
baseline
▲ 0.50% · 4.625%
HK$89,887
+HK$4,501/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,772/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,954
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,597
−HK$2,685/mo
Today · 4.125%
HK$90,282
baseline
▲ 0.50% · 4.625%
HK$95,775
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,564/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,511
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,045
−HK$2,572/mo
Today · 4.125%
HK$99,617
baseline
▲ 0.50% · 4.625%
HK$104,868
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,234/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,227
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,624
−HK$3,452/mo
Today · 4.125%
HK$116,076
baseline
▲ 0.50% · 4.625%
HK$123,139
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,152/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,514
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,773
−HK$3,306/mo
Today · 4.125%
HK$128,079
baseline
▲ 0.50% · 4.625%
HK$134,830
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,158/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,999 · Scale 2, in force from 26 Feb 2026)