LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,706
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,061
−HK$2,392/mo
Today · 4.125%
HK$80,453
baseline
▲ 0.50% · 4.625%
HK$85,349
+HK$4,896/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$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,222
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,481
−HK$2,291/mo
Today · 4.125%
HK$88,772
baseline
▲ 0.50% · 4.625%
HK$93,452
+HK$4,680/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$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,847
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,673
−HK$2,871/mo
Today · 4.125%
HK$96,544
baseline
▲ 0.50% · 4.625%
HK$102,419
+HK$5,875/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,088/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,067
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,777
−HK$2,750/mo
Today · 4.125%
HK$106,527
baseline
▲ 0.50% · 4.625%
HK$112,142
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,054/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,988
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,285
−HK$3,350/mo
Today · 4.125%
HK$112,635
baseline
▲ 0.50% · 4.625%
HK$119,488
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,270/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,911
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,073
−HK$3,208/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$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,271
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,510
−HK$4,306/mo
Today · 4.125%
HK$144,816
baseline
▲ 0.50% · 4.625%
HK$153,628
+HK$8,812/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,632/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,600
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,666
−HK$4,124/mo
Today · 4.125%
HK$159,790
baseline
▲ 0.50% · 4.625%
HK$168,213
+HK$8,423/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,580/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,028 · Scale 2, in force from 26 Feb 2026)