LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,806
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,164
−HK$2,396/mo
Today · 4.125%
HK$80,560
baseline
▲ 0.50% · 4.625%
HK$85,462
+HK$4,902/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,120/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,334
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,596
−HK$2,294/mo
Today · 4.125%
HK$88,890
baseline
▲ 0.50% · 4.625%
HK$93,576
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,780/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,968
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,797
−HK$2,875/mo
Today · 4.125%
HK$96,672
baseline
▲ 0.50% · 4.625%
HK$102,554
+HK$5,882/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,344/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,200
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,915
−HK$2,753/mo
Today · 4.125%
HK$106,668
baseline
▲ 0.50% · 4.625%
HK$112,291
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,336/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,129
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,430
−HK$3,354/mo
Today · 4.125%
HK$112,784
baseline
▲ 0.50% · 4.625%
HK$119,647
+HK$6,863/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,568/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,067
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,234
−HK$3,212/mo
Today · 4.125%
HK$124,446
baseline
▲ 0.50% · 4.625%
HK$131,006
+HK$6,560/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,892/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,451
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,696
−HK$4,312/mo
Today · 4.125%
HK$145,008
baseline
▲ 0.50% · 4.625%
HK$153,831
+HK$8,823/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,016/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,801
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,872
−HK$4,130/mo
Today · 4.125%
HK$160,002
baseline
▲ 0.50% · 4.625%
HK$168,436
+HK$8,434/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,004/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,897 · Scale 2, in force from 26 Feb 2026)