LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,425
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,384/mo
Today · 4.125%
HK$80,155
baseline
▲ 0.50% · 4.625%
HK$85,032
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,310/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,909
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,160
−HK$2,283/mo
Today · 4.125%
HK$88,443
baseline
▲ 0.50% · 4.625%
HK$93,105
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,886/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,510
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,325
−HK$2,861/mo
Today · 4.125%
HK$96,186
baseline
▲ 0.50% · 4.625%
HK$102,038
+HK$5,852/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,372/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,691
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,392
−HK$2,739/mo
Today · 4.125%
HK$106,131
baseline
▲ 0.50% · 4.625%
HK$111,726
+HK$5,595/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,262/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,595
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,879
−HK$3,337/mo
Today · 4.125%
HK$112,216
baseline
▲ 0.50% · 4.625%
HK$119,045
+HK$6,829/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,432/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,473
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,624
−HK$3,196/mo
Today · 4.125%
HK$123,820
baseline
▲ 0.50% · 4.625%
HK$130,347
+HK$6,527/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,640/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,765
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$139,988
−HK$4,290/mo
Today · 4.125%
HK$144,278
baseline
▲ 0.50% · 4.625%
HK$153,057
+HK$8,779/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,556/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,037
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,088
−HK$4,109/mo
Today · 4.125%
HK$159,197
baseline
▲ 0.50% · 4.625%
HK$167,588
+HK$8,391/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,394/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,787 · Scale 2, in force from 26 Feb 2026)