LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,401
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,746
−HK$2,383/mo
Today · 4.125%
HK$80,129
baseline
▲ 0.50% · 4.625%
HK$85,005
+HK$4,876/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,258/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,883
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,132
−HK$2,283/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,075
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,830/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,481
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,295
−HK$2,860/mo
Today · 4.125%
HK$96,155
baseline
▲ 0.50% · 4.625%
HK$102,006
+HK$5,851/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,310/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,659
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,359
−HK$2,738/mo
Today · 4.125%
HK$106,097
baseline
▲ 0.50% · 4.625%
HK$111,690
+HK$5,593/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,194/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,561
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,845
−HK$3,336/mo
Today · 4.125%
HK$112,181
baseline
▲ 0.50% · 4.625%
HK$119,007
+HK$6,826/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,362/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,436
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,585
−HK$3,195/mo
Today · 4.125%
HK$123,780
baseline
▲ 0.50% · 4.625%
HK$130,305
+HK$6,525/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,560/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,721
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$139,943
−HK$4,289/mo
Today · 4.125%
HK$144,232
baseline
▲ 0.50% · 4.625%
HK$153,009
+HK$8,777/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,464/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,989
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,038
−HK$4,108/mo
Today · 4.125%
HK$159,146
baseline
▲ 0.50% · 4.625%
HK$167,535
+HK$8,389/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,292/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,340 · Scale 2, in force from 26 Feb 2026)