LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,447
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,794
−HK$2,385/mo
Today · 4.125%
HK$80,179
baseline
▲ 0.50% · 4.625%
HK$85,057
+HK$4,878/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,358/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,935
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,186
−HK$2,283/mo
Today · 4.125%
HK$88,469
baseline
▲ 0.50% · 4.625%
HK$93,133
+HK$4,664/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,938/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,537
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,353
−HK$2,861/mo
Today · 4.125%
HK$96,214
baseline
▲ 0.50% · 4.625%
HK$102,069
+HK$5,855/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,428/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,721
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,423
−HK$2,740/mo
Today · 4.125%
HK$106,163
baseline
▲ 0.50% · 4.625%
HK$111,759
+HK$5,596/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,326/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,626
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,912
−HK$3,338/mo
Today · 4.125%
HK$112,250
baseline
▲ 0.50% · 4.625%
HK$119,080
+HK$6,830/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,500/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,508
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,660
−HK$3,197/mo
Today · 4.125%
HK$123,857
baseline
▲ 0.50% · 4.625%
HK$130,386
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,714/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,805
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,030
−HK$4,292/mo
Today · 4.125%
HK$144,322
baseline
▲ 0.50% · 4.625%
HK$153,103
+HK$8,781/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,644/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,082
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,134
−HK$4,111/mo
Today · 4.125%
HK$159,245
baseline
▲ 0.50% · 4.625%
HK$167,639
+HK$8,394/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,490/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,210 · Scale 2, in force from 26 Feb 2026)