LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,703
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,058
−HK$2,392/mo
Today · 4.125%
HK$80,450
baseline
▲ 0.50% · 4.625%
HK$85,346
+HK$4,896/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,900/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,219
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,291/mo
Today · 4.125%
HK$88,769
baseline
▲ 0.50% · 4.625%
HK$93,448
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,538/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,844
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,670
−HK$2,871/mo
Today · 4.125%
HK$96,541
baseline
▲ 0.50% · 4.625%
HK$102,415
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,082/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,063
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,773
−HK$2,750/mo
Today · 4.125%
HK$106,523
baseline
▲ 0.50% · 4.625%
HK$112,138
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,046/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,984
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,281
−HK$3,350/mo
Today · 4.125%
HK$112,631
baseline
▲ 0.50% · 4.625%
HK$119,484
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,262/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,907
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,069
−HK$3,208/mo
Today · 4.125%
HK$124,277
baseline
▲ 0.50% · 4.625%
HK$130,828
+HK$6,551/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,554/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,266
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,504
−HK$4,307/mo
Today · 4.125%
HK$144,811
baseline
▲ 0.50% · 4.625%
HK$153,622
+HK$8,811/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,622/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,594
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,660
−HK$4,124/mo
Today · 4.125%
HK$159,784
baseline
▲ 0.50% · 4.625%
HK$168,207
+HK$8,423/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,568/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,976 · Scale 2, in force from 26 Feb 2026)