LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,450
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,797
−HK$2,384/mo
Today · 4.125%
HK$80,181
baseline
▲ 0.50% · 4.625%
HK$85,060
+HK$4,879/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,362/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,937
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,189
−HK$2,283/mo
Today · 4.125%
HK$88,472
baseline
▲ 0.50% · 4.625%
HK$93,136
+HK$4,664/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,944/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,540
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,356
−HK$2,862/mo
Today · 4.125%
HK$96,218
baseline
▲ 0.50% · 4.625%
HK$102,072
+HK$5,854/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$192,436/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,725
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,426
−HK$2,741/mo
Today · 4.125%
HK$106,167
baseline
▲ 0.50% · 4.625%
HK$111,763
+HK$5,596/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$212,334/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,630
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,916
−HK$3,338/mo
Today · 4.125%
HK$112,254
baseline
▲ 0.50% · 4.625%
HK$119,084
+HK$6,830/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,508/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,512
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,664
−HK$3,197/mo
Today · 4.125%
HK$123,861
baseline
▲ 0.50% · 4.625%
HK$130,390
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,722/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,810
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,035
−HK$4,292/mo
Today · 4.125%
HK$144,327
baseline
▲ 0.50% · 4.625%
HK$153,109
+HK$8,782/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,654/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,087
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,139
−HK$4,111/mo
Today · 4.125%
HK$159,250
baseline
▲ 0.50% · 4.625%
HK$167,644
+HK$8,394/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,500/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,258 · Scale 2, in force from 26 Feb 2026)