LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,792
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,150
−HK$2,395/mo
Today · 4.125%
HK$80,545
baseline
▲ 0.50% · 4.625%
HK$85,446
+HK$4,901/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,090/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,318
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,580
−HK$2,294/mo
Today · 4.125%
HK$88,874
baseline
▲ 0.50% · 4.625%
HK$93,558
+HK$4,684/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,748/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,951
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,780
−HK$2,874/mo
Today · 4.125%
HK$96,654
baseline
▲ 0.50% · 4.625%
HK$102,535
+HK$5,881/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$193,308/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,182
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,895
−HK$2,753/mo
Today · 4.125%
HK$106,648
baseline
▲ 0.50% · 4.625%
HK$112,270
+HK$5,622/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$213,296/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,109
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,410
−HK$3,353/mo
Today · 4.125%
HK$112,763
baseline
▲ 0.50% · 4.625%
HK$119,625
+HK$6,862/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,526/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,045
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,211
−HK$3,212/mo
Today · 4.125%
HK$124,423
baseline
▲ 0.50% · 4.625%
HK$130,982
+HK$6,559/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,846/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,426
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$140,670
−HK$4,311/mo
Today · 4.125%
HK$144,981
baseline
▲ 0.50% · 4.625%
HK$153,803
+HK$8,822/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$289,962/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,773
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,843
−HK$4,129/mo
Today · 4.125%
HK$159,972
baseline
▲ 0.50% · 4.625%
HK$168,405
+HK$8,433/mo
Deposit HK$3.32M · loan HK$29.91M · min. income ≈ HK$319,944/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,636 · Scale 2, in force from 26 Feb 2026)