LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,801
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,159
−HK$2,396/mo
Today · 4.125%
HK$80,555
baseline
▲ 0.50% · 4.625%
HK$85,456
+HK$4,901/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,110/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,328
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,590
−HK$2,294/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$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,962
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,791
−HK$2,875/mo
Today · 4.125%
HK$96,666
baseline
▲ 0.50% · 4.625%
HK$102,548
+HK$5,882/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,332/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,194
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,908
−HK$2,753/mo
Today · 4.125%
HK$106,661
baseline
▲ 0.50% · 4.625%
HK$112,283
+HK$5,622/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,322/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,122
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,423
−HK$3,354/mo
Today · 4.125%
HK$112,777
baseline
▲ 0.50% · 4.625%
HK$119,639
+HK$6,862/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,554/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,060
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,226
−HK$3,212/mo
Today · 4.125%
HK$124,438
baseline
▲ 0.50% · 4.625%
HK$130,997
+HK$6,559/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,876/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,442
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,687
−HK$4,312/mo
Today · 4.125%
HK$144,999
baseline
▲ 0.50% · 4.625%
HK$153,821
+HK$8,822/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$289,998/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,791
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,862
−HK$4,130/mo
Today · 4.125%
HK$159,992
baseline
▲ 0.50% · 4.625%
HK$168,425
+HK$8,433/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$319,984/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,806 · Scale 2, in force from 26 Feb 2026)