LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,470
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,818
−HK$2,385/mo
Today · 4.125%
HK$80,203
baseline
▲ 0.50% · 4.625%
HK$85,083
+HK$4,880/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,406/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,960
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,212
−HK$2,284/mo
Today · 4.125%
HK$88,496
baseline
▲ 0.50% · 4.625%
HK$93,161
+HK$4,665/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$176,992/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,564
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,381
−HK$2,862/mo
Today · 4.125%
HK$96,243
baseline
▲ 0.50% · 4.625%
HK$102,100
+HK$5,857/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,486/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,752
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,454
−HK$2,741/mo
Today · 4.125%
HK$106,195
baseline
▲ 0.50% · 4.625%
HK$111,793
+HK$5,598/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,390/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,658
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,945
−HK$3,339/mo
Today · 4.125%
HK$112,284
baseline
▲ 0.50% · 4.625%
HK$119,116
+HK$6,832/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,568/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,544
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,696
−HK$3,198/mo
Today · 4.125%
HK$123,894
baseline
▲ 0.50% · 4.625%
HK$130,425
+HK$6,531/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,788/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,846
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,072
−HK$4,293/mo
Today · 4.125%
HK$144,365
baseline
▲ 0.50% · 4.625%
HK$153,150
+HK$8,785/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,730/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,128
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,181
−HK$4,112/mo
Today · 4.125%
HK$159,293
baseline
▲ 0.50% · 4.625%
HK$167,689
+HK$8,396/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,586/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,634 · Scale 2, in force from 26 Feb 2026)