LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,909
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,270
−HK$2,399/mo
Today · 4.125%
HK$80,669
baseline
▲ 0.50% · 4.625%
HK$85,578
+HK$4,909/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,338/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,448
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,713
−HK$2,297/mo
Today · 4.125%
HK$89,010
baseline
▲ 0.50% · 4.625%
HK$93,702
+HK$4,692/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$178,020/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,091
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,924
−HK$2,879/mo
Today · 4.125%
HK$96,803
baseline
▲ 0.50% · 4.625%
HK$102,693
+HK$5,890/mo
Deposit HK$13.32M · loan HK$19.97M · min. income ≈ HK$193,606/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,337
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,055
−HK$2,757/mo
Today · 4.125%
HK$106,812
baseline
▲ 0.50% · 4.625%
HK$112,443
+HK$5,631/mo
Deposit HK$13.32M · loan HK$19.97M · min. income ≈ HK$213,624/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,272
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,578
−HK$3,359/mo
Today · 4.125%
HK$112,937
baseline
▲ 0.50% · 4.625%
HK$119,809
+HK$6,872/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,874/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,227
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,398
−HK$3,216/mo
Today · 4.125%
HK$124,614
baseline
▲ 0.50% · 4.625%
HK$131,183
+HK$6,569/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,228/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,636
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,886
−HK$4,318/mo
Today · 4.125%
HK$145,204
baseline
▲ 0.50% · 4.625%
HK$154,040
+HK$8,836/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,408/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,006
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,083
−HK$4,136/mo
Today · 4.125%
HK$160,219
baseline
▲ 0.50% · 4.625%
HK$168,664
+HK$8,445/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,438/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,810 · Scale 2, in force from 26 Feb 2026)