LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,822
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,180
−HK$2,397/mo
Today · 4.125%
HK$80,577
baseline
▲ 0.50% · 4.625%
HK$85,479
+HK$4,902/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,154/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,351
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,613
−HK$2,295/mo
Today · 4.125%
HK$88,908
baseline
▲ 0.50% · 4.625%
HK$93,595
+HK$4,687/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,816/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,986
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,816
−HK$2,876/mo
Today · 4.125%
HK$96,692
baseline
▲ 0.50% · 4.625%
HK$102,575
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,384/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,221
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,936
−HK$2,754/mo
Today · 4.125%
HK$106,690
baseline
▲ 0.50% · 4.625%
HK$112,314
+HK$5,624/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,380/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,151
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,452
−HK$3,355/mo
Today · 4.125%
HK$112,807
baseline
▲ 0.50% · 4.625%
HK$119,671
+HK$6,864/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,614/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,091
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,259
−HK$3,213/mo
Today · 4.125%
HK$124,472
baseline
▲ 0.50% · 4.625%
HK$131,033
+HK$6,561/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,944/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,479
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,725
−HK$4,313/mo
Today · 4.125%
HK$145,038
baseline
▲ 0.50% · 4.625%
HK$153,863
+HK$8,825/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,076/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,832
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,904
−HK$4,131/mo
Today · 4.125%
HK$160,035
baseline
▲ 0.50% · 4.625%
HK$168,471
+HK$8,436/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,070/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,187 · Scale 2, in force from 26 Feb 2026)