LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,454
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,801
−HK$2,385/mo
Today · 4.125%
HK$80,186
baseline
▲ 0.50% · 4.625%
HK$85,065
+HK$4,879/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,372/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,942
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,193
−HK$2,284/mo
Today · 4.125%
HK$88,477
baseline
▲ 0.50% · 4.625%
HK$93,141
+HK$4,664/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$176,954/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,545
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,361
−HK$2,862/mo
Today · 4.125%
HK$96,223
baseline
▲ 0.50% · 4.625%
HK$102,078
+HK$5,855/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$192,446/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,730
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,432
−HK$2,741/mo
Today · 4.125%
HK$106,173
baseline
▲ 0.50% · 4.625%
HK$111,769
+HK$5,596/mo
Deposit HK$13.24M · loan HK$19.85M · min. income ≈ HK$212,346/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,636
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,922
−HK$3,338/mo
Today · 4.125%
HK$112,260
baseline
▲ 0.50% · 4.625%
HK$119,091
+HK$6,831/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,520/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,519
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,671
−HK$3,197/mo
Today · 4.125%
HK$123,868
baseline
▲ 0.50% · 4.625%
HK$130,397
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,736/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,817
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,042
−HK$4,292/mo
Today · 4.125%
HK$144,334
baseline
▲ 0.50% · 4.625%
HK$153,117
+HK$8,783/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,668/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,096
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,148
−HK$4,111/mo
Today · 4.125%
HK$159,259
baseline
▲ 0.50% · 4.625%
HK$167,654
+HK$8,395/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,518/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,334 · Scale 2, in force from 26 Feb 2026)