LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,031
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,365
−HK$2,371/mo
Today · 4.125%
HK$79,736
baseline
▲ 0.50% · 4.625%
HK$84,588
+HK$4,852/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,472/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,471
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,710
−HK$2,271/mo
Today · 4.125%
HK$87,981
baseline
▲ 0.50% · 4.625%
HK$92,619
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,962/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,037
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,838
−HK$2,846/mo
Today · 4.125%
HK$95,684
baseline
▲ 0.50% · 4.625%
HK$101,506
+HK$5,822/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,368/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,166
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,852
−HK$2,725/mo
Today · 4.125%
HK$105,577
baseline
▲ 0.50% · 4.625%
HK$111,142
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,154/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,044
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,311
−HK$3,320/mo
Today · 4.125%
HK$111,631
baseline
▲ 0.50% · 4.625%
HK$118,423
+HK$6,792/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,262/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,860
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,994
−HK$3,180/mo
Today · 4.125%
HK$123,174
baseline
▲ 0.50% · 4.625%
HK$129,666
+HK$6,492/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,348/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,056
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,257
−HK$4,268/mo
Today · 4.125%
HK$143,525
baseline
▲ 0.50% · 4.625%
HK$152,258
+HK$8,733/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,050/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,249
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,278
−HK$4,088/mo
Today · 4.125%
HK$158,366
baseline
▲ 0.50% · 4.625%
HK$166,714
+HK$8,348/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,732/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,450 · Scale 2, in force from 26 Feb 2026)