LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,699
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,053
−HK$2,393/mo
Today · 4.125%
HK$80,446
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,894/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,892/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,214
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,472
−HK$2,292/mo
Today · 4.125%
HK$88,764
baseline
▲ 0.50% · 4.625%
HK$93,443
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,528/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,838
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,664
−HK$2,871/mo
Today · 4.125%
HK$96,535
baseline
▲ 0.50% · 4.625%
HK$102,409
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,070/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,057
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,767
−HK$2,749/mo
Today · 4.125%
HK$106,516
baseline
▲ 0.50% · 4.625%
HK$112,131
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,032/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,978
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,274
−HK$3,350/mo
Today · 4.125%
HK$112,624
baseline
▲ 0.50% · 4.625%
HK$119,477
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,248/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,899
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,061
−HK$3,208/mo
Today · 4.125%
HK$124,269
baseline
▲ 0.50% · 4.625%
HK$130,820
+HK$6,551/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,538/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,257
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,496
−HK$4,306/mo
Today · 4.125%
HK$144,802
baseline
▲ 0.50% · 4.625%
HK$153,613
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,604/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,585
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,650
−HK$4,125/mo
Today · 4.125%
HK$159,775
baseline
▲ 0.50% · 4.625%
HK$168,197
+HK$8,422/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,550/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,889 · Scale 2, in force from 26 Feb 2026)