LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,787
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,395/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$85,440
+HK$4,901/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,312
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,573
−HK$2,294/mo
Today · 4.125%
HK$88,867
baseline
▲ 0.50% · 4.625%
HK$93,551
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,734/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,944
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,773
−HK$2,874/mo
Today · 4.125%
HK$96,647
baseline
▲ 0.50% · 4.625%
HK$102,528
+HK$5,881/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$193,294/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,174
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,888
−HK$2,753/mo
Today · 4.125%
HK$106,641
baseline
▲ 0.50% · 4.625%
HK$112,262
+HK$5,621/mo
Deposit HK$13.29M · loan HK$19.94M · min. income ≈ HK$213,282/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,101
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,402
−HK$3,353/mo
Today · 4.125%
HK$112,755
baseline
▲ 0.50% · 4.625%
HK$119,616
+HK$6,861/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,510/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,037
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,202
−HK$3,212/mo
Today · 4.125%
HK$124,414
baseline
▲ 0.50% · 4.625%
HK$130,972
+HK$6,558/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,828/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,416
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$140,659
−HK$4,312/mo
Today · 4.125%
HK$144,971
baseline
▲ 0.50% · 4.625%
HK$153,792
+HK$8,821/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,942/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,762
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,832
−HK$4,129/mo
Today · 4.125%
HK$159,961
baseline
▲ 0.50% · 4.625%
HK$168,393
+HK$8,432/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,922/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,533 · Scale 2, in force from 26 Feb 2026)