LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,671
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,391/mo
Today · 4.125%
HK$80,416
baseline
▲ 0.50% · 4.625%
HK$85,309
+HK$4,893/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,832/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,183
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,441
−HK$2,290/mo
Today · 4.125%
HK$88,731
baseline
▲ 0.50% · 4.625%
HK$93,408
+HK$4,677/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,462/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,805
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,630
−HK$2,869/mo
Today · 4.125%
HK$96,499
baseline
▲ 0.50% · 4.625%
HK$102,371
+HK$5,872/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,998/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,020
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,729
−HK$2,748/mo
Today · 4.125%
HK$106,477
baseline
▲ 0.50% · 4.625%
HK$112,090
+HK$5,613/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,954/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,939
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,234
−HK$3,348/mo
Today · 4.125%
HK$112,582
baseline
▲ 0.50% · 4.625%
HK$119,433
+HK$6,851/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$225,164/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,856
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,017
−HK$3,207/mo
Today · 4.125%
HK$124,224
baseline
▲ 0.50% · 4.625%
HK$130,772
+HK$6,548/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$248,448/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,207
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$140,444
−HK$4,305/mo
Today · 4.125%
HK$144,749
baseline
▲ 0.50% · 4.625%
HK$153,556
+HK$8,807/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$289,498/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,529
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$155,593
−HK$4,123/mo
Today · 4.125%
HK$159,716
baseline
▲ 0.50% · 4.625%
HK$168,135
+HK$8,419/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$319,432/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,372 · Scale 2, in force from 26 Feb 2026)