LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,775
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,132
−HK$2,395/mo
Today · 4.125%
HK$80,527
baseline
▲ 0.50% · 4.625%
HK$85,426
+HK$4,899/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,054/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,299
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,560
−HK$2,293/mo
Today · 4.125%
HK$88,853
baseline
▲ 0.50% · 4.625%
HK$93,537
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,706/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,930
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,874/mo
Today · 4.125%
HK$96,632
baseline
▲ 0.50% · 4.625%
HK$102,512
+HK$5,880/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,264/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,158
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,871
−HK$2,753/mo
Today · 4.125%
HK$106,624
baseline
▲ 0.50% · 4.625%
HK$112,244
+HK$5,620/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,248/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,085
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,385
−HK$3,352/mo
Today · 4.125%
HK$112,737
baseline
▲ 0.50% · 4.625%
HK$119,597
+HK$6,860/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$225,474/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,018
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,183
−HK$3,211/mo
Today · 4.125%
HK$124,394
baseline
▲ 0.50% · 4.625%
HK$130,951
+HK$6,557/mo
Deposit HK$9.97M · loan HK$23.26M · min. income ≈ HK$248,788/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,395
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,637
−HK$4,311/mo
Today · 4.125%
HK$144,948
baseline
▲ 0.50% · 4.625%
HK$153,767
+HK$8,819/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,896/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,738
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$155,807
−HK$4,129/mo
Today · 4.125%
HK$159,936
baseline
▲ 0.50% · 4.625%
HK$168,366
+HK$8,430/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,872/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,310 · Scale 2, in force from 26 Feb 2026)