LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,429
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,775
−HK$2,384/mo
Today · 4.125%
HK$80,159
baseline
▲ 0.50% · 4.625%
HK$85,036
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,318/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,914
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,164
−HK$2,284/mo
Today · 4.125%
HK$88,448
baseline
▲ 0.50% · 4.625%
HK$93,110
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,896/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,515
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,330
−HK$2,861/mo
Today · 4.125%
HK$96,191
baseline
▲ 0.50% · 4.625%
HK$102,044
+HK$5,853/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,382/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,697
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,397
−HK$2,740/mo
Today · 4.125%
HK$106,137
baseline
▲ 0.50% · 4.625%
HK$111,732
+HK$5,595/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,274/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,600
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,885
−HK$3,338/mo
Today · 4.125%
HK$112,223
baseline
▲ 0.50% · 4.625%
HK$119,051
+HK$6,828/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$224,446/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,479
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,630
−HK$3,197/mo
Today · 4.125%
HK$123,827
baseline
▲ 0.50% · 4.625%
HK$130,354
+HK$6,527/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$247,654/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,772
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,995
−HK$4,291/mo
Today · 4.125%
HK$144,286
baseline
▲ 0.50% · 4.625%
HK$153,066
+HK$8,780/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,572/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,045
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,096
−HK$4,110/mo
Today · 4.125%
HK$159,206
baseline
▲ 0.50% · 4.625%
HK$167,597
+HK$8,391/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,412/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,864 · Scale 2, in force from 26 Feb 2026)