LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,830
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,189
−HK$2,396/mo
Today · 4.125%
HK$80,585
baseline
▲ 0.50% · 4.625%
HK$85,489
+HK$4,904/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,170/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,360
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,623
−HK$2,295/mo
Today · 4.125%
HK$88,918
baseline
▲ 0.50% · 4.625%
HK$93,605
+HK$4,687/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,836/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,996
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,826
−HK$2,876/mo
Today · 4.125%
HK$96,702
baseline
▲ 0.50% · 4.625%
HK$102,586
+HK$5,884/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,404/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,232
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,947
−HK$2,754/mo
Today · 4.125%
HK$106,701
baseline
▲ 0.50% · 4.625%
HK$112,326
+HK$5,625/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,402/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,162
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,464
−HK$3,355/mo
Today · 4.125%
HK$112,819
baseline
▲ 0.50% · 4.625%
HK$119,684
+HK$6,865/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,638/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,104
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,272
−HK$3,213/mo
Today · 4.125%
HK$124,485
baseline
▲ 0.50% · 4.625%
HK$131,047
+HK$6,562/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,970/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,494
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,740
−HK$4,313/mo
Today · 4.125%
HK$145,053
baseline
▲ 0.50% · 4.625%
HK$153,880
+HK$8,827/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,106/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,848
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,921
−HK$4,131/mo
Today · 4.125%
HK$160,052
baseline
▲ 0.50% · 4.625%
HK$168,489
+HK$8,437/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,104/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,339 · Scale 2, in force from 26 Feb 2026)