LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,858
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,218
−HK$2,397/mo
Today · 4.125%
HK$80,615
baseline
▲ 0.50% · 4.625%
HK$85,520
+HK$4,905/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,230/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,391
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,655
−HK$2,296/mo
Today · 4.125%
HK$88,951
baseline
▲ 0.50% · 4.625%
HK$93,640
+HK$4,689/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,902/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,030
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,861
−HK$2,877/mo
Today · 4.125%
HK$96,738
baseline
▲ 0.50% · 4.625%
HK$102,624
+HK$5,886/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,476/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,270
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,986
−HK$2,755/mo
Today · 4.125%
HK$106,741
baseline
▲ 0.50% · 4.625%
HK$112,368
+HK$5,627/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,482/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,201
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,505
−HK$3,356/mo
Today · 4.125%
HK$112,861
baseline
▲ 0.50% · 4.625%
HK$119,729
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,722/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,148
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,317
−HK$3,214/mo
Today · 4.125%
HK$124,531
baseline
▲ 0.50% · 4.625%
HK$131,095
+HK$6,564/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,062/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,545
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$140,792
−HK$4,315/mo
Today · 4.125%
HK$145,107
baseline
▲ 0.50% · 4.625%
HK$153,937
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,214/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,905
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$155,979
−HK$4,133/mo
Today · 4.125%
HK$160,112
baseline
▲ 0.50% · 4.625%
HK$168,551
+HK$8,439/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,224/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,865 · Scale 2, in force from 26 Feb 2026)