LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,754
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,111
−HK$2,394/mo
Today · 4.125%
HK$80,505
baseline
▲ 0.50% · 4.625%
HK$85,403
+HK$4,898/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$161,010/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,276
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,536
−HK$2,293/mo
Today · 4.125%
HK$88,829
baseline
▲ 0.50% · 4.625%
HK$93,511
+HK$4,682/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,658/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,905
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,733
−HK$2,873/mo
Today · 4.125%
HK$96,606
baseline
▲ 0.50% · 4.625%
HK$102,484
+HK$5,878/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$193,212/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,131
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,843
−HK$2,752/mo
Today · 4.125%
HK$106,595
baseline
▲ 0.50% · 4.625%
HK$112,213
+HK$5,618/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$213,190/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,056
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,355
−HK$3,351/mo
Today · 4.125%
HK$112,706
baseline
▲ 0.50% · 4.625%
HK$119,564
+HK$6,858/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,412/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,986
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,150
−HK$3,210/mo
Today · 4.125%
HK$124,360
baseline
▲ 0.50% · 4.625%
HK$130,916
+HK$6,556/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,720/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,357
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$140,599
−HK$4,309/mo
Today · 4.125%
HK$144,908
baseline
▲ 0.50% · 4.625%
HK$153,726
+HK$8,818/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$289,816/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,696
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$155,765
−HK$4,127/mo
Today · 4.125%
HK$159,892
baseline
▲ 0.50% · 4.625%
HK$168,320
+HK$8,428/mo
Deposit HK$3.32M · loan HK$29.90M · min. income ≈ HK$319,784/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,926 · Scale 2, in force from 26 Feb 2026)