LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,404
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,749
−HK$2,383/mo
Today · 4.125%
HK$80,132
baseline
▲ 0.50% · 4.625%
HK$85,008
+HK$4,876/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,264/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,886
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,136
−HK$2,282/mo
Today · 4.125%
HK$88,418
baseline
▲ 0.50% · 4.625%
HK$93,079
+HK$4,661/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,836/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,485
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,299
−HK$2,860/mo
Today · 4.125%
HK$96,159
baseline
▲ 0.50% · 4.625%
HK$102,010
+HK$5,851/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,318/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,663
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,363
−HK$2,739/mo
Today · 4.125%
HK$106,102
baseline
▲ 0.50% · 4.625%
HK$111,695
+HK$5,593/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,204/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,565
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,849
−HK$3,336/mo
Today · 4.125%
HK$112,185
baseline
▲ 0.50% · 4.625%
HK$119,011
+HK$6,826/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,370/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,440
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,590
−HK$3,195/mo
Today · 4.125%
HK$123,785
baseline
▲ 0.50% · 4.625%
HK$130,310
+HK$6,525/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,570/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,727
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$139,949
−HK$4,289/mo
Today · 4.125%
HK$144,238
baseline
▲ 0.50% · 4.625%
HK$153,015
+HK$8,777/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$288,476/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,995
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,044
−HK$4,109/mo
Today · 4.125%
HK$159,153
baseline
▲ 0.50% · 4.625%
HK$167,542
+HK$8,389/mo
Deposit HK$3.31M · loan HK$29.76M · min. income ≈ HK$318,306/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,397 · Scale 2, in force from 26 Feb 2026)