LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,389
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,734
−HK$2,383/mo
Today · 4.125%
HK$80,117
baseline
▲ 0.50% · 4.625%
HK$84,992
+HK$4,875/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,234/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,870
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,119
−HK$2,282/mo
Today · 4.125%
HK$88,401
baseline
▲ 0.50% · 4.625%
HK$93,061
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,802/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,467
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,281
−HK$2,859/mo
Today · 4.125%
HK$96,140
baseline
▲ 0.50% · 4.625%
HK$101,990
+HK$5,850/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$192,280/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,644
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,343
−HK$2,738/mo
Today · 4.125%
HK$106,081
baseline
▲ 0.50% · 4.625%
HK$111,673
+HK$5,592/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$212,162/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,545
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,828
−HK$3,336/mo
Today · 4.125%
HK$112,164
baseline
▲ 0.50% · 4.625%
HK$118,989
+HK$6,825/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,328/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,418
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,567
−HK$3,195/mo
Today · 4.125%
HK$123,762
baseline
▲ 0.50% · 4.625%
HK$130,285
+HK$6,523/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,524/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,701
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,922
−HK$4,289/mo
Today · 4.125%
HK$144,211
baseline
▲ 0.50% · 4.625%
HK$152,986
+HK$8,775/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,422/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,966
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,015
−HK$4,107/mo
Today · 4.125%
HK$159,122
baseline
▲ 0.50% · 4.625%
HK$167,510
+HK$8,388/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,244/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,128 · Scale 2, in force from 26 Feb 2026)