LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,695
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,049
−HK$2,392/mo
Today · 4.125%
HK$80,441
baseline
▲ 0.50% · 4.625%
HK$85,336
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,882/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,210
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,468
−HK$2,291/mo
Today · 4.125%
HK$88,759
baseline
▲ 0.50% · 4.625%
HK$93,438
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,518/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,834
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,659
−HK$2,871/mo
Today · 4.125%
HK$96,530
baseline
▲ 0.50% · 4.625%
HK$102,403
+HK$5,873/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,060/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,051
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,762
−HK$2,749/mo
Today · 4.125%
HK$106,511
baseline
▲ 0.50% · 4.625%
HK$112,125
+HK$5,614/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,022/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,973
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,269
−HK$3,349/mo
Today · 4.125%
HK$112,618
baseline
▲ 0.50% · 4.625%
HK$119,470
+HK$6,852/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,236/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,893
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,055
−HK$3,208/mo
Today · 4.125%
HK$124,263
baseline
▲ 0.50% · 4.625%
HK$130,813
+HK$6,550/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,526/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,250
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,489
−HK$4,306/mo
Today · 4.125%
HK$144,795
baseline
▲ 0.50% · 4.625%
HK$153,605
+HK$8,810/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,590/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,577
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$155,642
−HK$4,124/mo
Today · 4.125%
HK$159,766
baseline
▲ 0.50% · 4.625%
HK$168,188
+HK$8,422/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,532/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,817 · Scale 2, in force from 26 Feb 2026)