LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,849
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,208
−HK$2,397/mo
Today · 4.125%
HK$80,605
baseline
▲ 0.50% · 4.625%
HK$85,510
+HK$4,905/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,210/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,381
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,644
−HK$2,296/mo
Today · 4.125%
HK$88,940
baseline
▲ 0.50% · 4.625%
HK$93,628
+HK$4,688/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,880/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,019
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,850
−HK$2,876/mo
Today · 4.125%
HK$96,726
baseline
▲ 0.50% · 4.625%
HK$102,612
+HK$5,886/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,452/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,257
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,973
−HK$2,755/mo
Today · 4.125%
HK$106,728
baseline
▲ 0.50% · 4.625%
HK$112,354
+HK$5,626/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,456/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,188
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,491
−HK$3,356/mo
Today · 4.125%
HK$112,847
baseline
▲ 0.50% · 4.625%
HK$119,714
+HK$6,867/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,694/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,133
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,302
−HK$3,214/mo
Today · 4.125%
HK$124,516
baseline
▲ 0.50% · 4.625%
HK$131,079
+HK$6,563/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$249,032/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,528
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$140,775
−HK$4,314/mo
Today · 4.125%
HK$145,089
baseline
▲ 0.50% · 4.625%
HK$153,918
+HK$8,829/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,178/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,886
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$155,959
−HK$4,133/mo
Today · 4.125%
HK$160,092
baseline
▲ 0.50% · 4.625%
HK$168,530
+HK$8,438/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,184/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,689 · Scale 2, in force from 26 Feb 2026)