LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,746
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,102
−HK$2,394/mo
Today · 4.125%
HK$80,496
baseline
▲ 0.50% · 4.625%
HK$85,394
+HK$4,898/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$160,992/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,267
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,527
−HK$2,292/mo
Today · 4.125%
HK$88,819
baseline
▲ 0.50% · 4.625%
HK$93,501
+HK$4,682/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,638/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,895
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,872/mo
Today · 4.125%
HK$96,595
baseline
▲ 0.50% · 4.625%
HK$102,473
+HK$5,878/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$193,190/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,120
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,832
−HK$2,751/mo
Today · 4.125%
HK$106,583
baseline
▲ 0.50% · 4.625%
HK$112,201
+HK$5,618/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$213,166/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,044
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,343
−HK$3,351/mo
Today · 4.125%
HK$112,694
baseline
▲ 0.50% · 4.625%
HK$119,552
+HK$6,858/mo
Deposit HK$9.97M · loan HK$23.25M · min. income ≈ HK$225,388/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,973
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,137
−HK$3,210/mo
Today · 4.125%
HK$124,347
baseline
▲ 0.50% · 4.625%
HK$130,902
+HK$6,555/mo
Deposit HK$9.97M · loan HK$23.25M · min. income ≈ HK$248,694/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,343
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$140,584
−HK$4,309/mo
Today · 4.125%
HK$144,893
baseline
▲ 0.50% · 4.625%
HK$153,709
+HK$8,816/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,786/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,680
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,748
−HK$4,127/mo
Today · 4.125%
HK$159,875
baseline
▲ 0.50% · 4.625%
HK$168,302
+HK$8,427/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,750/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,774 · Scale 2, in force from 26 Feb 2026)