LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,398
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,744
−HK$2,382/mo
Today · 4.125%
HK$80,126
baseline
▲ 0.50% · 4.625%
HK$85,002
+HK$4,876/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,252/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,880
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,130
−HK$2,282/mo
Today · 4.125%
HK$88,412
baseline
▲ 0.50% · 4.625%
HK$93,072
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,824/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,478
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,292
−HK$2,860/mo
Today · 4.125%
HK$96,152
baseline
▲ 0.50% · 4.625%
HK$102,002
+HK$5,850/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,304/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,656
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,355
−HK$2,739/mo
Today · 4.125%
HK$106,094
baseline
▲ 0.50% · 4.625%
HK$111,686
+HK$5,592/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,188/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,558
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,841
−HK$3,336/mo
Today · 4.125%
HK$112,177
baseline
▲ 0.50% · 4.625%
HK$119,003
+HK$6,826/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,354/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,432
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,581
−HK$3,195/mo
Today · 4.125%
HK$123,776
baseline
▲ 0.50% · 4.625%
HK$130,301
+HK$6,525/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,552/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,717
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$139,939
−HK$4,289/mo
Today · 4.125%
HK$144,228
baseline
▲ 0.50% · 4.625%
HK$153,004
+HK$8,776/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,456/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,984
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,033
−HK$4,108/mo
Today · 4.125%
HK$159,141
baseline
▲ 0.50% · 4.625%
HK$167,530
+HK$8,389/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,282/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,294 · Scale 2, in force from 26 Feb 2026)