LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,824
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,182
−HK$2,396/mo
Today · 4.125%
HK$80,578
baseline
▲ 0.50% · 4.625%
HK$85,481
+HK$4,903/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,156/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,353
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,615
−HK$2,295/mo
Today · 4.125%
HK$88,910
baseline
▲ 0.50% · 4.625%
HK$93,597
+HK$4,687/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,820/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,988
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,819
−HK$2,875/mo
Today · 4.125%
HK$96,694
baseline
▲ 0.50% · 4.625%
HK$102,578
+HK$5,884/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,388/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,224
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,938
−HK$2,754/mo
Today · 4.125%
HK$106,692
baseline
▲ 0.50% · 4.625%
HK$112,316
+HK$5,624/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,384/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,153
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,455
−HK$3,355/mo
Today · 4.125%
HK$112,810
baseline
▲ 0.50% · 4.625%
HK$119,674
+HK$6,864/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,620/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,094
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,262
−HK$3,213/mo
Today · 4.125%
HK$124,475
baseline
▲ 0.50% · 4.625%
HK$131,036
+HK$6,561/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,950/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,483
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,728
−HK$4,313/mo
Today · 4.125%
HK$145,041
baseline
▲ 0.50% · 4.625%
HK$153,867
+HK$8,826/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,082/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,836
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,908
−HK$4,131/mo
Today · 4.125%
HK$160,039
baseline
▲ 0.50% · 4.625%
HK$168,475
+HK$8,436/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,078/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,221 · Scale 2, in force from 26 Feb 2026)