LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,023
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,357
−HK$2,371/mo
Today · 4.125%
HK$79,728
baseline
▲ 0.50% · 4.625%
HK$84,579
+HK$4,851/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,456/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,463
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,701
−HK$2,271/mo
Today · 4.125%
HK$87,972
baseline
▲ 0.50% · 4.625%
HK$92,609
+HK$4,637/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,944/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,028
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,828
−HK$2,846/mo
Today · 4.125%
HK$95,674
baseline
▲ 0.50% · 4.625%
HK$101,495
+HK$5,821/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,348/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,155
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,841
−HK$2,725/mo
Today · 4.125%
HK$105,566
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,132/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,033
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,300
−HK$3,319/mo
Today · 4.125%
HK$111,619
baseline
▲ 0.50% · 4.625%
HK$118,411
+HK$6,792/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,238/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,848
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,982
−HK$3,179/mo
Today · 4.125%
HK$123,161
baseline
▲ 0.50% · 4.625%
HK$129,653
+HK$6,492/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,322/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,042
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$139,243
−HK$4,267/mo
Today · 4.125%
HK$143,510
baseline
▲ 0.50% · 4.625%
HK$152,243
+HK$8,733/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,020/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,233
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,262
−HK$4,088/mo
Today · 4.125%
HK$158,350
baseline
▲ 0.50% · 4.625%
HK$166,696
+HK$8,346/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,700/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,306 · Scale 2, in force from 26 Feb 2026)