LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,032
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,366
−HK$2,371/mo
Today · 4.125%
HK$79,737
baseline
▲ 0.50% · 4.625%
HK$84,589
+HK$4,852/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,474/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,472
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,711
−HK$2,271/mo
Today · 4.125%
HK$87,982
baseline
▲ 0.50% · 4.625%
HK$92,620
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,964/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,039
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,839
−HK$2,846/mo
Today · 4.125%
HK$95,685
baseline
▲ 0.50% · 4.625%
HK$101,507
+HK$5,822/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,370/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,167
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,853
−HK$2,726/mo
Today · 4.125%
HK$105,579
baseline
▲ 0.50% · 4.625%
HK$111,144
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,158/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,045
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,312
−HK$3,320/mo
Today · 4.125%
HK$111,632
baseline
▲ 0.50% · 4.625%
HK$118,425
+HK$6,793/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,264/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,861
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,996
−HK$3,179/mo
Today · 4.125%
HK$123,175
baseline
▲ 0.50% · 4.625%
HK$129,668
+HK$6,493/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,350/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,058
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,259
−HK$4,268/mo
Today · 4.125%
HK$143,527
baseline
▲ 0.50% · 4.625%
HK$152,260
+HK$8,733/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,054/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,250
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,280
−HK$4,088/mo
Today · 4.125%
HK$158,368
baseline
▲ 0.50% · 4.625%
HK$166,716
+HK$8,348/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,736/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,468 · Scale 2, in force from 26 Feb 2026)