LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,878
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,239
−HK$2,398/mo
Today · 4.125%
HK$80,637
baseline
▲ 0.50% · 4.625%
HK$85,543
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,274/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,414
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,678
−HK$2,297/mo
Today · 4.125%
HK$88,975
baseline
▲ 0.50% · 4.625%
HK$93,665
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,950/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,054
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,886
−HK$2,878/mo
Today · 4.125%
HK$96,764
baseline
▲ 0.50% · 4.625%
HK$102,652
+HK$5,888/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,528/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,297
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,013
−HK$2,756/mo
Today · 4.125%
HK$106,769
baseline
▲ 0.50% · 4.625%
HK$112,397
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,538/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,230
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,534
−HK$3,357/mo
Today · 4.125%
HK$112,891
baseline
▲ 0.50% · 4.625%
HK$119,760
+HK$6,869/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,782/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,180
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,349
−HK$3,215/mo
Today · 4.125%
HK$124,564
baseline
▲ 0.50% · 4.625%
HK$131,130
+HK$6,566/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,128/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,581
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,830
−HK$4,316/mo
Today · 4.125%
HK$145,146
baseline
▲ 0.50% · 4.625%
HK$153,978
+HK$8,832/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,292/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,945
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,020
−HK$4,134/mo
Today · 4.125%
HK$160,154
baseline
▲ 0.50% · 4.625%
HK$168,596
+HK$8,442/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,308/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,241 · Scale 2, in force from 26 Feb 2026)