LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,938
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,300
−HK$2,400/mo
Today · 4.125%
HK$80,700
baseline
▲ 0.50% · 4.625%
HK$85,611
+HK$4,911/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,400/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,481
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,746
−HK$2,299/mo
Today · 4.125%
HK$89,045
baseline
▲ 0.50% · 4.625%
HK$93,738
+HK$4,693/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,090/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,126
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,960
−HK$2,880/mo
Today · 4.125%
HK$96,840
baseline
▲ 0.50% · 4.625%
HK$102,733
+HK$5,893/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,680/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,377
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,096
−HK$2,758/mo
Today · 4.125%
HK$106,854
baseline
▲ 0.50% · 4.625%
HK$112,486
+HK$5,632/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,708/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,314
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,621
−HK$3,359/mo
Today · 4.125%
HK$112,980
baseline
▲ 0.50% · 4.625%
HK$119,855
+HK$6,875/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,960/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,273
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,445
−HK$3,218/mo
Today · 4.125%
HK$124,663
baseline
▲ 0.50% · 4.625%
HK$131,234
+HK$6,571/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,326/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,689
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,941
−HK$4,320/mo
Today · 4.125%
HK$145,261
baseline
▲ 0.50% · 4.625%
HK$154,099
+HK$8,838/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,522/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,065
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,143
−HK$4,138/mo
Today · 4.125%
HK$160,281
baseline
▲ 0.50% · 4.625%
HK$168,729
+HK$8,448/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,562/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,358 · Scale 2, in force from 26 Feb 2026)