LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,926
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,288
−HK$2,399/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$85,597
+HK$4,910/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,467
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,732
−HK$2,298/mo
Today · 4.125%
HK$89,030
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$4,693/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,060/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,111
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,945
−HK$2,880/mo
Today · 4.125%
HK$96,825
baseline
▲ 0.50% · 4.625%
HK$102,716
+HK$5,891/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,650/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,360
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,079
−HK$2,757/mo
Today · 4.125%
HK$106,836
baseline
▲ 0.50% · 4.625%
HK$112,468
+HK$5,632/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,672/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,296
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,603
−HK$3,359/mo
Today · 4.125%
HK$112,962
baseline
▲ 0.50% · 4.625%
HK$119,836
+HK$6,874/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,924/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,254
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,425
−HK$3,218/mo
Today · 4.125%
HK$124,643
baseline
▲ 0.50% · 4.625%
HK$131,213
+HK$6,570/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,286/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,667
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$140,918
−HK$4,319/mo
Today · 4.125%
HK$145,237
baseline
▲ 0.50% · 4.625%
HK$154,074
+HK$8,837/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,474/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,040
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$156,118
−HK$4,137/mo
Today · 4.125%
HK$160,255
baseline
▲ 0.50% · 4.625%
HK$168,702
+HK$8,447/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,510/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,415,129 · Scale 2, in force from 26 Feb 2026)