LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,707
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,062
−HK$2,392/mo
Today · 4.125%
HK$80,454
baseline
▲ 0.50% · 4.625%
HK$85,350
+HK$4,896/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,908/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,223
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,482
−HK$2,292/mo
Today · 4.125%
HK$88,774
baseline
▲ 0.50% · 4.625%
HK$93,453
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,548/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,848
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,674
−HK$2,871/mo
Today · 4.125%
HK$96,545
baseline
▲ 0.50% · 4.625%
HK$102,420
+HK$5,875/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,090/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,068
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,778
−HK$2,750/mo
Today · 4.125%
HK$106,528
baseline
▲ 0.50% · 4.625%
HK$112,143
+HK$5,615/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,056/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,990
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,287
−HK$3,349/mo
Today · 4.125%
HK$112,636
baseline
▲ 0.50% · 4.625%
HK$119,490
+HK$6,854/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,272/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,912
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,075
−HK$3,208/mo
Today · 4.125%
HK$124,283
baseline
▲ 0.50% · 4.625%
HK$130,834
+HK$6,551/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,566/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,272
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$140,511
−HK$4,307/mo
Today · 4.125%
HK$144,818
baseline
▲ 0.50% · 4.625%
HK$153,630
+HK$8,812/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,636/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,602
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,668
−HK$4,124/mo
Today · 4.125%
HK$159,792
baseline
▲ 0.50% · 4.625%
HK$168,215
+HK$8,423/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,584/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,046 · Scale 2, in force from 26 Feb 2026)