LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,811
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,169
−HK$2,396/mo
Today · 4.125%
HK$80,565
baseline
▲ 0.50% · 4.625%
HK$85,468
+HK$4,903/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,130/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,339
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,601
−HK$2,295/mo
Today · 4.125%
HK$88,896
baseline
▲ 0.50% · 4.625%
HK$93,582
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,792/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,974
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,803
−HK$2,875/mo
Today · 4.125%
HK$96,678
baseline
▲ 0.50% · 4.625%
HK$102,561
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,356/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,207
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,921
−HK$2,754/mo
Today · 4.125%
HK$106,675
baseline
▲ 0.50% · 4.625%
HK$112,298
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,350/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,136
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,437
−HK$3,354/mo
Today · 4.125%
HK$112,791
baseline
▲ 0.50% · 4.625%
HK$119,655
+HK$6,864/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,582/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,075
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,242
−HK$3,212/mo
Today · 4.125%
HK$124,454
baseline
▲ 0.50% · 4.625%
HK$131,014
+HK$6,560/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,908/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,460
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,705
−HK$4,313/mo
Today · 4.125%
HK$145,018
baseline
▲ 0.50% · 4.625%
HK$153,842
+HK$8,824/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,036/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,811
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,882
−HK$4,131/mo
Today · 4.125%
HK$160,013
baseline
▲ 0.50% · 4.625%
HK$168,447
+HK$8,434/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,026/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,991 · Scale 2, in force from 26 Feb 2026)