LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,400
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,745
−HK$2,383/mo
Today · 4.125%
HK$80,128
baseline
▲ 0.50% · 4.625%
HK$85,004
+HK$4,876/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,256/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,881
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,131
−HK$2,282/mo
Today · 4.125%
HK$88,413
baseline
▲ 0.50% · 4.625%
HK$93,074
+HK$4,661/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,826/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,480
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,294
−HK$2,860/mo
Today · 4.125%
HK$96,154
baseline
▲ 0.50% · 4.625%
HK$102,004
+HK$5,850/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,308/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,658
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,357
−HK$2,739/mo
Today · 4.125%
HK$106,096
baseline
▲ 0.50% · 4.625%
HK$111,688
+HK$5,592/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,192/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,560
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,843
−HK$3,336/mo
Today · 4.125%
HK$112,179
baseline
▲ 0.50% · 4.625%
HK$119,005
+HK$6,826/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,358/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,434
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,584
−HK$3,195/mo
Today · 4.125%
HK$123,779
baseline
▲ 0.50% · 4.625%
HK$130,303
+HK$6,524/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,558/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,720
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,941
−HK$4,289/mo
Today · 4.125%
HK$144,230
baseline
▲ 0.50% · 4.625%
HK$153,006
+HK$8,776/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,460/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,987
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,036
−HK$4,108/mo
Today · 4.125%
HK$159,144
baseline
▲ 0.50% · 4.625%
HK$167,533
+HK$8,389/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,288/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,320 · Scale 2, in force from 26 Feb 2026)