LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,871
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,231
−HK$2,398/mo
Today · 4.125%
HK$80,629
baseline
▲ 0.50% · 4.625%
HK$85,535
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,258/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,406
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,670
−HK$2,296/mo
Today · 4.125%
HK$88,966
baseline
▲ 0.50% · 4.625%
HK$93,656
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,932/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,045
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,877
−HK$2,878/mo
Today · 4.125%
HK$96,755
baseline
▲ 0.50% · 4.625%
HK$102,642
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,510/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,287
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,004
−HK$2,755/mo
Today · 4.125%
HK$106,759
baseline
▲ 0.50% · 4.625%
HK$112,387
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,518/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,220
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,524
−HK$3,357/mo
Today · 4.125%
HK$112,881
baseline
▲ 0.50% · 4.625%
HK$119,749
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,762/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,168
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,337
−HK$3,216/mo
Today · 4.125%
HK$124,553
baseline
▲ 0.50% · 4.625%
HK$131,118
+HK$6,565/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,106/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,568
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,816
−HK$4,316/mo
Today · 4.125%
HK$145,132
baseline
▲ 0.50% · 4.625%
HK$153,963
+HK$8,831/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,264/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,931
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$156,005
−HK$4,134/mo
Today · 4.125%
HK$160,139
baseline
▲ 0.50% · 4.625%
HK$168,580
+HK$8,441/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,278/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,107 · Scale 2, in force from 26 Feb 2026)