LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,857
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,216
−HK$2,397/mo
Today · 4.125%
HK$80,613
baseline
▲ 0.50% · 4.625%
HK$85,519
+HK$4,906/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,226/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,390
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,653
−HK$2,296/mo
Today · 4.125%
HK$88,949
baseline
▲ 0.50% · 4.625%
HK$93,638
+HK$4,689/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,898/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,028
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,859
−HK$2,877/mo
Today · 4.125%
HK$96,736
baseline
▲ 0.50% · 4.625%
HK$102,622
+HK$5,886/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,472/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,268
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$2,755/mo
Today · 4.125%
HK$106,739
baseline
▲ 0.50% · 4.625%
HK$112,365
+HK$5,626/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,478/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,199
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,503
−HK$3,356/mo
Today · 4.125%
HK$112,859
baseline
▲ 0.50% · 4.625%
HK$119,726
+HK$6,867/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,718/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,146
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,314
−HK$3,215/mo
Today · 4.125%
HK$124,529
baseline
▲ 0.50% · 4.625%
HK$131,093
+HK$6,564/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,058/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,542
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$140,789
−HK$4,315/mo
Today · 4.125%
HK$145,104
baseline
▲ 0.50% · 4.625%
HK$153,934
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,208/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,901
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$155,975
−HK$4,133/mo
Today · 4.125%
HK$160,108
baseline
▲ 0.50% · 4.625%
HK$168,548
+HK$8,440/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,216/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,835 · Scale 2, in force from 26 Feb 2026)