LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,684
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,038
−HK$2,392/mo
Today · 4.125%
HK$80,430
baseline
▲ 0.50% · 4.625%
HK$85,324
+HK$4,894/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,860/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,198
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,456
−HK$2,290/mo
Today · 4.125%
HK$88,746
baseline
▲ 0.50% · 4.625%
HK$93,424
+HK$4,678/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,492/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,821
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,646
−HK$2,870/mo
Today · 4.125%
HK$96,516
baseline
▲ 0.50% · 4.625%
HK$102,389
+HK$5,873/mo
Deposit HK$13.28M · loan HK$19.91M · min. income ≈ HK$193,032/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,037
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,747
−HK$2,749/mo
Today · 4.125%
HK$106,496
baseline
▲ 0.50% · 4.625%
HK$112,109
+HK$5,613/mo
Deposit HK$13.28M · loan HK$19.91M · min. income ≈ HK$212,992/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,957
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,253
−HK$3,349/mo
Today · 4.125%
HK$112,602
baseline
▲ 0.50% · 4.625%
HK$119,453
+HK$6,851/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$225,204/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,877
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,038
−HK$3,207/mo
Today · 4.125%
HK$124,245
baseline
▲ 0.50% · 4.625%
HK$130,794
+HK$6,549/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$248,490/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,231
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,469
−HK$4,305/mo
Today · 4.125%
HK$144,774
baseline
▲ 0.50% · 4.625%
HK$153,583
+HK$8,809/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$289,548/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,556
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,620
−HK$4,124/mo
Today · 4.125%
HK$159,744
baseline
▲ 0.50% · 4.625%
HK$168,164
+HK$8,420/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$319,488/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,615 · Scale 2, in force from 26 Feb 2026)