LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,379
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,723
−HK$2,383/mo
Today · 4.125%
HK$80,106
baseline
▲ 0.50% · 4.625%
HK$84,980
+HK$4,874/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,212/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,858
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,107
−HK$2,282/mo
Today · 4.125%
HK$88,389
baseline
▲ 0.50% · 4.625%
HK$93,048
+HK$4,659/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,778/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,455
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,268
−HK$2,859/mo
Today · 4.125%
HK$96,127
baseline
▲ 0.50% · 4.625%
HK$101,976
+HK$5,849/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,254/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,630
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,329
−HK$2,737/mo
Today · 4.125%
HK$106,066
baseline
▲ 0.50% · 4.625%
HK$111,657
+HK$5,591/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,132/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,530
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,813
−HK$3,335/mo
Today · 4.125%
HK$112,148
baseline
▲ 0.50% · 4.625%
HK$118,972
+HK$6,824/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,296/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,401
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,550
−HK$3,194/mo
Today · 4.125%
HK$123,744
baseline
▲ 0.50% · 4.625%
HK$130,267
+HK$6,523/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,488/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,682
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$139,902
−HK$4,288/mo
Today · 4.125%
HK$144,190
baseline
▲ 0.50% · 4.625%
HK$152,964
+HK$8,774/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,380/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,945
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,993
−HK$4,107/mo
Today · 4.125%
HK$159,100
baseline
▲ 0.50% · 4.625%
HK$167,486
+HK$8,386/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,200/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,929 · Scale 2, in force from 26 Feb 2026)