LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,442
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,789
−HK$2,384/mo
Today · 4.125%
HK$80,173
baseline
▲ 0.50% · 4.625%
HK$85,051
+HK$4,878/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,346/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,929
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,179
−HK$2,284/mo
Today · 4.125%
HK$88,463
baseline
▲ 0.50% · 4.625%
HK$93,126
+HK$4,663/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,926/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,530
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,346
−HK$2,862/mo
Today · 4.125%
HK$96,208
baseline
▲ 0.50% · 4.625%
HK$102,062
+HK$5,854/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,416/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,714
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,415
−HK$2,741/mo
Today · 4.125%
HK$106,156
baseline
▲ 0.50% · 4.625%
HK$111,751
+HK$5,595/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,312/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,619
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,904
−HK$3,338/mo
Today · 4.125%
HK$112,242
baseline
▲ 0.50% · 4.625%
HK$119,072
+HK$6,830/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,484/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,500
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,651
−HK$3,197/mo
Today · 4.125%
HK$123,848
baseline
▲ 0.50% · 4.625%
HK$130,376
+HK$6,528/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,696/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,796
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,020
−HK$4,291/mo
Today · 4.125%
HK$144,311
baseline
▲ 0.50% · 4.625%
HK$153,092
+HK$8,781/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,622/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,071
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$155,123
−HK$4,110/mo
Today · 4.125%
HK$159,233
baseline
▲ 0.50% · 4.625%
HK$167,627
+HK$8,394/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,466/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,109 · Scale 2, in force from 26 Feb 2026)