LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,799
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,157
−HK$2,395/mo
Today · 4.125%
HK$80,552
baseline
▲ 0.50% · 4.625%
HK$85,454
+HK$4,902/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,104/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,326
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,587
−HK$2,295/mo
Today · 4.125%
HK$88,882
baseline
▲ 0.50% · 4.625%
HK$93,567
+HK$4,685/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,764/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,959
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,788
−HK$2,875/mo
Today · 4.125%
HK$96,663
baseline
▲ 0.50% · 4.625%
HK$102,545
+HK$5,882/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$193,326/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,191
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,905
−HK$2,753/mo
Today · 4.125%
HK$106,658
baseline
▲ 0.50% · 4.625%
HK$112,280
+HK$5,622/mo
Deposit HK$13.30M · loan HK$19.94M · min. income ≈ HK$213,316/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,119
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,420
−HK$3,353/mo
Today · 4.125%
HK$112,773
baseline
▲ 0.50% · 4.625%
HK$119,635
+HK$6,862/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,546/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,056
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,222
−HK$3,212/mo
Today · 4.125%
HK$124,434
baseline
▲ 0.50% · 4.625%
HK$130,993
+HK$6,559/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,868/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,438
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$140,682
−HK$4,312/mo
Today · 4.125%
HK$144,994
baseline
▲ 0.50% · 4.625%
HK$153,817
+HK$8,823/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$289,988/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,786
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,857
−HK$4,130/mo
Today · 4.125%
HK$159,987
baseline
▲ 0.50% · 4.625%
HK$168,420
+HK$8,433/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$319,974/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,764 · Scale 2, in force from 26 Feb 2026)