LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,883
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,244
−HK$2,398/mo
Today · 4.125%
HK$80,642
baseline
▲ 0.50% · 4.625%
HK$85,549
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,284/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,419
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,683
−HK$2,297/mo
Today · 4.125%
HK$88,980
baseline
▲ 0.50% · 4.625%
HK$93,671
+HK$4,691/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,960/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,060
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,892
−HK$2,878/mo
Today · 4.125%
HK$96,770
baseline
▲ 0.50% · 4.625%
HK$102,658
+HK$5,888/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,540/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,303
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,020
−HK$2,756/mo
Today · 4.125%
HK$106,776
baseline
▲ 0.50% · 4.625%
HK$112,405
+HK$5,629/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,552/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,237
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,541
−HK$3,358/mo
Today · 4.125%
HK$112,899
baseline
▲ 0.50% · 4.625%
HK$119,768
+HK$6,869/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,798/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,187
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,357
−HK$3,215/mo
Today · 4.125%
HK$124,572
baseline
▲ 0.50% · 4.625%
HK$131,139
+HK$6,567/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,144/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,590
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,839
−HK$4,316/mo
Today · 4.125%
HK$145,155
baseline
▲ 0.50% · 4.625%
HK$153,988
+HK$8,833/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,310/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,955
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,030
−HK$4,134/mo
Today · 4.125%
HK$160,164
baseline
▲ 0.50% · 4.625%
HK$168,607
+HK$8,443/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,328/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,332 · Scale 2, in force from 26 Feb 2026)