LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,865
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,224
−HK$2,398/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,399
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,662
−HK$2,296/mo
Today · 4.125%
HK$88,958
baseline
▲ 0.50% · 4.625%
HK$93,648
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,916/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,038
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,869
−HK$2,877/mo
Today · 4.125%
HK$96,746
baseline
▲ 0.50% · 4.625%
HK$102,633
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,492/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,278
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,995
−HK$2,755/mo
Today · 4.125%
HK$106,750
baseline
▲ 0.50% · 4.625%
HK$112,377
+HK$5,627/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,500/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,210
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,514
−HK$3,357/mo
Today · 4.125%
HK$112,871
baseline
▲ 0.50% · 4.625%
HK$119,739
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,742/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,158
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,327
−HK$3,215/mo
Today · 4.125%
HK$124,542
baseline
▲ 0.50% · 4.625%
HK$131,107
+HK$6,565/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,084/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,556
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,804
−HK$4,316/mo
Today · 4.125%
HK$145,120
baseline
▲ 0.50% · 4.625%
HK$153,950
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,240/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,917
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$155,992
−HK$4,133/mo
Today · 4.125%
HK$160,125
baseline
▲ 0.50% · 4.625%
HK$168,566
+HK$8,441/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,250/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,984 · Scale 2, in force from 26 Feb 2026)