LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,801
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,159
−HK$2,395/mo
Today · 4.125%
HK$80,554
baseline
▲ 0.50% · 4.625%
HK$85,456
+HK$4,902/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,108/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,328
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,589
−HK$2,295/mo
Today · 4.125%
HK$88,884
baseline
▲ 0.50% · 4.625%
HK$93,569
+HK$4,685/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,768/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,961
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,790
−HK$2,875/mo
Today · 4.125%
HK$96,665
baseline
▲ 0.50% · 4.625%
HK$102,547
+HK$5,882/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,330/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,193
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,907
−HK$2,753/mo
Today · 4.125%
HK$106,660
baseline
▲ 0.50% · 4.625%
HK$112,283
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,320/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,121
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,422
−HK$3,354/mo
Today · 4.125%
HK$112,776
baseline
▲ 0.50% · 4.625%
HK$119,638
+HK$6,862/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,552/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,059
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,225
−HK$3,212/mo
Today · 4.125%
HK$124,437
baseline
▲ 0.50% · 4.625%
HK$130,996
+HK$6,559/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,874/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,442
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$140,686
−HK$4,312/mo
Today · 4.125%
HK$144,998
baseline
▲ 0.50% · 4.625%
HK$153,820
+HK$8,822/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$289,996/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,790
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,861
−HK$4,130/mo
Today · 4.125%
HK$159,991
baseline
▲ 0.50% · 4.625%
HK$168,424
+HK$8,433/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$319,982/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,796 · Scale 2, in force from 26 Feb 2026)