LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,725
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,080
−HK$2,393/mo
Today · 4.125%
HK$80,473
baseline
▲ 0.50% · 4.625%
HK$85,370
+HK$4,897/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,946/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,243
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,502
−HK$2,292/mo
Today · 4.125%
HK$88,794
baseline
▲ 0.50% · 4.625%
HK$93,475
+HK$4,681/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,588/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,870
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,696
−HK$2,872/mo
Today · 4.125%
HK$96,568
baseline
▲ 0.50% · 4.625%
HK$102,444
+HK$5,876/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$193,136/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,091
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,803
−HK$2,750/mo
Today · 4.125%
HK$106,553
baseline
▲ 0.50% · 4.625%
HK$112,170
+HK$5,617/mo
Deposit HK$13.28M · loan HK$19.93M · min. income ≈ HK$213,106/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,014
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,312
−HK$3,351/mo
Today · 4.125%
HK$112,663
baseline
▲ 0.50% · 4.625%
HK$119,518
+HK$6,855/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$225,326/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,940
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,103
−HK$3,209/mo
Today · 4.125%
HK$124,312
baseline
▲ 0.50% · 4.625%
HK$130,865
+HK$6,553/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$248,624/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,304
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$140,544
−HK$4,308/mo
Today · 4.125%
HK$144,852
baseline
▲ 0.50% · 4.625%
HK$153,666
+HK$8,814/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,704/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,637
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,704
−HK$4,126/mo
Today · 4.125%
HK$159,830
baseline
▲ 0.50% · 4.625%
HK$168,255
+HK$8,425/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,660/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,375 · Scale 2, in force from 26 Feb 2026)