LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,424
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,770
−HK$2,384/mo
Today · 4.125%
HK$80,154
baseline
▲ 0.50% · 4.625%
HK$85,031
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,308/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,909
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,159
−HK$2,283/mo
Today · 4.125%
HK$88,442
baseline
▲ 0.50% · 4.625%
HK$93,104
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,884/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,509
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,324
−HK$2,861/mo
Today · 4.125%
HK$96,185
baseline
▲ 0.50% · 4.625%
HK$102,037
+HK$5,852/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,370/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,690
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,391
−HK$2,739/mo
Today · 4.125%
HK$106,130
baseline
▲ 0.50% · 4.625%
HK$111,725
+HK$5,595/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,260/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,594
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,878
−HK$3,337/mo
Today · 4.125%
HK$112,215
baseline
▲ 0.50% · 4.625%
HK$119,044
+HK$6,829/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,430/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,472
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,623
−HK$3,196/mo
Today · 4.125%
HK$123,819
baseline
▲ 0.50% · 4.625%
HK$130,345
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,638/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,763
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,987
−HK$4,290/mo
Today · 4.125%
HK$144,277
baseline
▲ 0.50% · 4.625%
HK$153,056
+HK$8,779/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,554/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,036
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$155,086
−HK$4,109/mo
Today · 4.125%
HK$159,195
baseline
▲ 0.50% · 4.625%
HK$167,587
+HK$8,392/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,390/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,775 · Scale 2, in force from 26 Feb 2026)