LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,705
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,060
−HK$2,393/mo
Today · 4.125%
HK$80,453
baseline
▲ 0.50% · 4.625%
HK$85,348
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,906/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,222
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,480
−HK$2,292/mo
Today · 4.125%
HK$88,772
baseline
▲ 0.50% · 4.625%
HK$93,451
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,544/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,847
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,672
−HK$2,871/mo
Today · 4.125%
HK$96,543
baseline
▲ 0.50% · 4.625%
HK$102,418
+HK$5,875/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,086/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,066
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,776
−HK$2,750/mo
Today · 4.125%
HK$106,526
baseline
▲ 0.50% · 4.625%
HK$112,141
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,052/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,988
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,284
−HK$3,350/mo
Today · 4.125%
HK$112,634
baseline
▲ 0.50% · 4.625%
HK$119,488
+HK$6,854/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,268/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,910
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,072
−HK$3,209/mo
Today · 4.125%
HK$124,281
baseline
▲ 0.50% · 4.625%
HK$130,832
+HK$6,551/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,562/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,270
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,509
−HK$4,306/mo
Today · 4.125%
HK$144,815
baseline
▲ 0.50% · 4.625%
HK$153,627
+HK$8,812/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,630/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,599
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,665
−HK$4,124/mo
Today · 4.125%
HK$159,789
baseline
▲ 0.50% · 4.625%
HK$168,212
+HK$8,423/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,578/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,018 · Scale 2, in force from 26 Feb 2026)