LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,422
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,768
−HK$2,384/mo
Today · 4.125%
HK$80,152
baseline
▲ 0.50% · 4.625%
HK$85,029
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,304/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,907
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,157
−HK$2,283/mo
Today · 4.125%
HK$88,440
baseline
▲ 0.50% · 4.625%
HK$93,102
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,880/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,507
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,322
−HK$2,860/mo
Today · 4.125%
HK$96,182
baseline
▲ 0.50% · 4.625%
HK$102,035
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,364/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,688
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,388
−HK$2,740/mo
Today · 4.125%
HK$106,128
baseline
▲ 0.50% · 4.625%
HK$111,722
+HK$5,594/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,256/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,591
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,876
−HK$3,337/mo
Today · 4.125%
HK$112,213
baseline
▲ 0.50% · 4.625%
HK$119,041
+HK$6,828/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,426/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,469
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,620
−HK$3,196/mo
Today · 4.125%
HK$123,816
baseline
▲ 0.50% · 4.625%
HK$130,342
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,632/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,760
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,983
−HK$4,291/mo
Today · 4.125%
HK$144,274
baseline
▲ 0.50% · 4.625%
HK$153,052
+HK$8,778/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,548/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,032
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,082
−HK$4,110/mo
Today · 4.125%
HK$159,192
baseline
▲ 0.50% · 4.625%
HK$167,583
+HK$8,391/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,384/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,741 · Scale 2, in force from 26 Feb 2026)