LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,912
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,273
−HK$2,399/mo
Today · 4.125%
HK$80,672
baseline
▲ 0.50% · 4.625%
HK$85,581
+HK$4,909/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,344/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,451
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,716
−HK$2,297/mo
Today · 4.125%
HK$89,013
baseline
▲ 0.50% · 4.625%
HK$93,705
+HK$4,692/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,026/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,094
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,927
−HK$2,879/mo
Today · 4.125%
HK$96,806
baseline
▲ 0.50% · 4.625%
HK$102,697
+HK$5,891/mo
Deposit HK$13.32M · loan HK$19.97M · min. income ≈ HK$193,612/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,341
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,059
−HK$2,757/mo
Today · 4.125%
HK$106,816
baseline
▲ 0.50% · 4.625%
HK$112,447
+HK$5,631/mo
Deposit HK$13.32M · loan HK$19.97M · min. income ≈ HK$213,632/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,276
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,582
−HK$3,359/mo
Today · 4.125%
HK$112,941
baseline
▲ 0.50% · 4.625%
HK$119,813
+HK$6,872/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$225,882/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,231
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,402
−HK$3,217/mo
Today · 4.125%
HK$124,619
baseline
▲ 0.50% · 4.625%
HK$131,188
+HK$6,569/mo
Deposit HK$9.99M · loan HK$23.30M · min. income ≈ HK$249,238/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,641
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,891
−HK$4,318/mo
Today · 4.125%
HK$145,209
baseline
▲ 0.50% · 4.625%
HK$154,045
+HK$8,836/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$290,418/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,011
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,088
−HK$4,136/mo
Today · 4.125%
HK$160,224
baseline
▲ 0.50% · 4.625%
HK$168,670
+HK$8,446/mo
Deposit HK$3.33M · loan HK$29.96M · min. income ≈ HK$320,448/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,858 · Scale 2, in force from 26 Feb 2026)