LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,815
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,173
−HK$2,396/mo
Today · 4.125%
HK$80,569
baseline
▲ 0.50% · 4.625%
HK$85,471
+HK$4,902/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,138/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,343
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,605
−HK$2,295/mo
Today · 4.125%
HK$88,900
baseline
▲ 0.50% · 4.625%
HK$93,586
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,800/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,978
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,807
−HK$2,876/mo
Today · 4.125%
HK$96,683
baseline
▲ 0.50% · 4.625%
HK$102,566
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,366/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,212
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,926
−HK$2,754/mo
Today · 4.125%
HK$106,680
baseline
▲ 0.50% · 4.625%
HK$112,303
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,360/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,140
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,442
−HK$3,354/mo
Today · 4.125%
HK$112,796
baseline
▲ 0.50% · 4.625%
HK$119,660
+HK$6,864/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,592/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,080
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,247
−HK$3,213/mo
Today · 4.125%
HK$124,460
baseline
▲ 0.50% · 4.625%
HK$131,020
+HK$6,560/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,920/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,466
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,711
−HK$4,313/mo
Today · 4.125%
HK$145,024
baseline
▲ 0.50% · 4.625%
HK$153,848
+HK$8,824/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,048/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,817
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,889
−HK$4,131/mo
Today · 4.125%
HK$160,020
baseline
▲ 0.50% · 4.625%
HK$168,454
+HK$8,434/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,040/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,052 · Scale 2, in force from 26 Feb 2026)