LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,694
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,048
−HK$2,392/mo
Today · 4.125%
HK$80,440
baseline
▲ 0.50% · 4.625%
HK$85,335
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,880/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,208
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,467
−HK$2,291/mo
Today · 4.125%
HK$88,758
baseline
▲ 0.50% · 4.625%
HK$93,436
+HK$4,678/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,516/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,832
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,658
−HK$2,870/mo
Today · 4.125%
HK$96,528
baseline
▲ 0.50% · 4.625%
HK$102,402
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,056/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,050
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,760
−HK$2,749/mo
Today · 4.125%
HK$106,509
baseline
▲ 0.50% · 4.625%
HK$112,124
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,018/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,971
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,267
−HK$3,349/mo
Today · 4.125%
HK$112,616
baseline
▲ 0.50% · 4.625%
HK$119,469
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,232/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,892
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,053
−HK$3,208/mo
Today · 4.125%
HK$124,261
baseline
▲ 0.50% · 4.625%
HK$130,811
+HK$6,550/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,522/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,248
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$140,487
−HK$4,305/mo
Today · 4.125%
HK$144,792
baseline
▲ 0.50% · 4.625%
HK$153,603
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,584/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,575
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$155,640
−HK$4,124/mo
Today · 4.125%
HK$159,764
baseline
▲ 0.50% · 4.625%
HK$168,186
+HK$8,422/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,528/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,797 · Scale 2, in force from 26 Feb 2026)