LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,834
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,193
−HK$2,396/mo
Today · 4.125%
HK$80,589
baseline
▲ 0.50% · 4.625%
HK$85,493
+HK$4,904/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,178/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,365
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,627
−HK$2,295/mo
Today · 4.125%
HK$88,922
baseline
▲ 0.50% · 4.625%
HK$93,610
+HK$4,688/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,844/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,001
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,831
−HK$2,876/mo
Today · 4.125%
HK$96,707
baseline
▲ 0.50% · 4.625%
HK$102,592
+HK$5,885/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,414/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,237
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,953
−HK$2,754/mo
Today · 4.125%
HK$106,707
baseline
▲ 0.50% · 4.625%
HK$112,332
+HK$5,625/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,414/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,168
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,470
−HK$3,355/mo
Today · 4.125%
HK$112,825
baseline
▲ 0.50% · 4.625%
HK$119,690
+HK$6,865/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,650/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,110
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,278
−HK$3,213/mo
Today · 4.125%
HK$124,491
baseline
▲ 0.50% · 4.625%
HK$131,054
+HK$6,563/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,982/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,501
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$140,747
−HK$4,314/mo
Today · 4.125%
HK$145,061
baseline
▲ 0.50% · 4.625%
HK$153,888
+HK$8,827/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,122/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,856
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,929
−HK$4,131/mo
Today · 4.125%
HK$160,060
baseline
▲ 0.50% · 4.625%
HK$168,497
+HK$8,437/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,120/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,413 · Scale 2, in force from 26 Feb 2026)