LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,701
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,055
−HK$2,393/mo
Today · 4.125%
HK$80,448
baseline
▲ 0.50% · 4.625%
HK$85,343
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,896/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,216
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,475
−HK$2,291/mo
Today · 4.125%
HK$88,766
baseline
▲ 0.50% · 4.625%
HK$93,445
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,532/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,841
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,666
−HK$2,871/mo
Today · 4.125%
HK$96,537
baseline
▲ 0.50% · 4.625%
HK$102,411
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,074/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,059
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,770
−HK$2,749/mo
Today · 4.125%
HK$106,519
baseline
▲ 0.50% · 4.625%
HK$112,134
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,038/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,981
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,278
−HK$3,349/mo
Today · 4.125%
HK$112,627
baseline
▲ 0.50% · 4.625%
HK$119,480
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,254/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,903
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,065
−HK$3,208/mo
Today · 4.125%
HK$124,273
baseline
▲ 0.50% · 4.625%
HK$130,823
+HK$6,550/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,546/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,261
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,500
−HK$4,306/mo
Today · 4.125%
HK$144,806
baseline
▲ 0.50% · 4.625%
HK$153,617
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,612/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,589
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,655
−HK$4,124/mo
Today · 4.125%
HK$159,779
baseline
▲ 0.50% · 4.625%
HK$168,201
+HK$8,422/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,558/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,929 · Scale 2, in force from 26 Feb 2026)