LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,702
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,057
−HK$2,392/mo
Today · 4.125%
HK$80,449
baseline
▲ 0.50% · 4.625%
HK$85,344
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,898/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,218
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,477
−HK$2,291/mo
Today · 4.125%
HK$88,768
baseline
▲ 0.50% · 4.625%
HK$93,447
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,536/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,843
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,668
−HK$2,871/mo
Today · 4.125%
HK$96,539
baseline
▲ 0.50% · 4.625%
HK$102,413
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,078/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,061
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,772
−HK$2,749/mo
Today · 4.125%
HK$106,521
baseline
▲ 0.50% · 4.625%
HK$112,136
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,042/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,983
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,280
−HK$3,349/mo
Today · 4.125%
HK$112,629
baseline
▲ 0.50% · 4.625%
HK$119,482
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,258/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,905
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,067
−HK$3,208/mo
Today · 4.125%
HK$124,275
baseline
▲ 0.50% · 4.625%
HK$130,826
+HK$6,551/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,550/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,264
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,502
−HK$4,307/mo
Today · 4.125%
HK$144,809
baseline
▲ 0.50% · 4.625%
HK$153,620
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,618/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,592
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,658
−HK$4,124/mo
Today · 4.125%
HK$159,782
baseline
▲ 0.50% · 4.625%
HK$168,204
+HK$8,422/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,564/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,956 · Scale 2, in force from 26 Feb 2026)