LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,458
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,805
−HK$2,385/mo
Today · 4.125%
HK$80,190
baseline
▲ 0.50% · 4.625%
HK$85,070
+HK$4,880/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,380/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,947
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,198
−HK$2,284/mo
Today · 4.125%
HK$88,482
baseline
▲ 0.50% · 4.625%
HK$93,146
+HK$4,664/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$176,964/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,550
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,367
−HK$2,861/mo
Today · 4.125%
HK$96,228
baseline
▲ 0.50% · 4.625%
HK$102,083
+HK$5,855/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,456/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,736
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,438
−HK$2,740/mo
Today · 4.125%
HK$106,178
baseline
▲ 0.50% · 4.625%
HK$111,775
+HK$5,597/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,356/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,642
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,928
−HK$3,338/mo
Today · 4.125%
HK$112,266
baseline
▲ 0.50% · 4.625%
HK$119,097
+HK$6,831/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$224,532/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,525
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,677
−HK$3,198/mo
Today · 4.125%
HK$123,875
baseline
▲ 0.50% · 4.625%
HK$130,404
+HK$6,529/mo
Deposit HK$9.93M · loan HK$23.16M · min. income ≈ HK$247,750/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,825
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,050
−HK$4,292/mo
Today · 4.125%
HK$144,342
baseline
▲ 0.50% · 4.625%
HK$153,125
+HK$8,783/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$288,684/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,104
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,156
−HK$4,111/mo
Today · 4.125%
HK$159,267
baseline
▲ 0.50% · 4.625%
HK$167,663
+HK$8,396/mo
Deposit HK$3.31M · loan HK$29.78M · min. income ≈ HK$318,534/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,411 · Scale 2, in force from 26 Feb 2026)