LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,870
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,230
−HK$2,398/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$85,534
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,404
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,668
−HK$2,297/mo
Today · 4.125%
HK$88,965
baseline
▲ 0.50% · 4.625%
HK$93,654
+HK$4,689/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,930/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,044
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,876
−HK$2,877/mo
Today · 4.125%
HK$96,753
baseline
▲ 0.50% · 4.625%
HK$102,640
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,506/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,285
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,002
−HK$2,755/mo
Today · 4.125%
HK$106,757
baseline
▲ 0.50% · 4.625%
HK$112,385
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,514/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,218
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,522
−HK$3,357/mo
Today · 4.125%
HK$112,879
baseline
▲ 0.50% · 4.625%
HK$119,747
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,758/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,166
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,335
−HK$3,215/mo
Today · 4.125%
HK$124,550
baseline
▲ 0.50% · 4.625%
HK$131,116
+HK$6,566/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,100/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,566
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,814
−HK$4,316/mo
Today · 4.125%
HK$145,130
baseline
▲ 0.50% · 4.625%
HK$153,960
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,260/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,928
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$156,003
−HK$4,133/mo
Today · 4.125%
HK$160,136
baseline
▲ 0.50% · 4.625%
HK$168,577
+HK$8,441/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,272/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,082 · Scale 2, in force from 26 Feb 2026)