LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,272
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,178
−HK$1,937/mo
Today · 4.125%
HK$65,115
baseline
▲ 0.50% · 4.625%
HK$69,077
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,230/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,165
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,993
−HK$1,854/mo
Today · 4.125%
HK$71,847
baseline
▲ 0.50% · 4.625%
HK$75,635
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,694/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,527
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,323/mo
Today · 4.125%
HK$78,137
baseline
▲ 0.50% · 4.625%
HK$82,892
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,274/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,991
−HK$2,226/mo
Today · 4.125%
HK$86,217
baseline
▲ 0.50% · 4.625%
HK$90,762
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,434/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,781
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,449
−HK$2,711/mo
Today · 4.125%
HK$91,160
baseline
▲ 0.50% · 4.625%
HK$96,707
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,320/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,431
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,990
−HK$2,596/mo
Today · 4.125%
HK$100,586
baseline
▲ 0.50% · 4.625%
HK$105,889
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,172/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,290
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,721
−HK$3,485/mo
Today · 4.125%
HK$117,206
baseline
▲ 0.50% · 4.625%
HK$124,338
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,412/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,697
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,987
−HK$3,338/mo
Today · 4.125%
HK$129,325
baseline
▲ 0.50% · 4.625%
HK$136,142
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,650/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,008 · Scale 2, in force from 26 Feb 2026)