LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,657
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,011
−HK$2,391/mo
Today · 4.125%
HK$80,402
baseline
▲ 0.50% · 4.625%
HK$85,294
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,804/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,168
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,425
−HK$2,290/mo
Today · 4.125%
HK$88,715
baseline
▲ 0.50% · 4.625%
HK$93,392
+HK$4,677/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,430/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,789
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,613
−HK$2,869/mo
Today · 4.125%
HK$96,482
baseline
▲ 0.50% · 4.625%
HK$102,353
+HK$5,871/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,964/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,002
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,710
−HK$2,748/mo
Today · 4.125%
HK$106,458
baseline
▲ 0.50% · 4.625%
HK$112,070
+HK$5,612/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,916/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,920
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,215
−HK$3,347/mo
Today · 4.125%
HK$112,562
baseline
▲ 0.50% · 4.625%
HK$119,412
+HK$6,850/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$225,124/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,835
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$120,996
−HK$3,206/mo
Today · 4.125%
HK$124,202
baseline
▲ 0.50% · 4.625%
HK$130,748
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.23M · min. income ≈ HK$248,404/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,183
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$140,419
−HK$4,304/mo
Today · 4.125%
HK$144,723
baseline
▲ 0.50% · 4.625%
HK$153,529
+HK$8,806/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,446/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,503
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,566
−HK$4,122/mo
Today · 4.125%
HK$159,688
baseline
▲ 0.50% · 4.625%
HK$168,105
+HK$8,417/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,376/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,122 · Scale 2, in force from 26 Feb 2026)