LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,936
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,298
−HK$2,400/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$85,609
+HK$4,911/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,478
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,744
−HK$2,299/mo
Today · 4.125%
HK$89,043
baseline
▲ 0.50% · 4.625%
HK$93,736
+HK$4,693/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,086/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,124
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,958
−HK$2,880/mo
Today · 4.125%
HK$96,838
baseline
▲ 0.50% · 4.625%
HK$102,730
+HK$5,892/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,676/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,374
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,093
−HK$2,758/mo
Today · 4.125%
HK$106,851
baseline
▲ 0.50% · 4.625%
HK$112,483
+HK$5,632/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,702/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,311
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,618
−HK$3,360/mo
Today · 4.125%
HK$112,978
baseline
▲ 0.50% · 4.625%
HK$119,852
+HK$6,874/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,956/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,270
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,442
−HK$3,218/mo
Today · 4.125%
HK$124,660
baseline
▲ 0.50% · 4.625%
HK$131,231
+HK$6,571/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,320/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,685
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,937
−HK$4,320/mo
Today · 4.125%
HK$145,257
baseline
▲ 0.50% · 4.625%
HK$154,095
+HK$8,838/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,514/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,061
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,139
−HK$4,138/mo
Today · 4.125%
HK$160,277
baseline
▲ 0.50% · 4.625%
HK$168,725
+HK$8,448/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,554/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,322 · Scale 2, in force from 26 Feb 2026)