LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,872
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,232
−HK$2,398/mo
Today · 4.125%
HK$80,630
baseline
▲ 0.50% · 4.625%
HK$85,536
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,260/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,407
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,671
−HK$2,296/mo
Today · 4.125%
HK$88,967
baseline
▲ 0.50% · 4.625%
HK$93,657
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,934/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,047
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,879
−HK$2,877/mo
Today · 4.125%
HK$96,756
baseline
▲ 0.50% · 4.625%
HK$102,643
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,512/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,288
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,005
−HK$2,756/mo
Today · 4.125%
HK$106,761
baseline
▲ 0.50% · 4.625%
HK$112,388
+HK$5,627/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,522/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,221
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,525
−HK$3,357/mo
Today · 4.125%
HK$112,882
baseline
▲ 0.50% · 4.625%
HK$119,751
+HK$6,869/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,764/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,170
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,339
−HK$3,215/mo
Today · 4.125%
HK$124,554
baseline
▲ 0.50% · 4.625%
HK$131,120
+HK$6,566/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,108/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,570
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,818
−HK$4,316/mo
Today · 4.125%
HK$145,134
baseline
▲ 0.50% · 4.625%
HK$153,965
+HK$8,831/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,268/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,933
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$156,007
−HK$4,134/mo
Today · 4.125%
HK$160,141
baseline
▲ 0.50% · 4.625%
HK$168,582
+HK$8,441/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,282/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,125 · Scale 2, in force from 26 Feb 2026)