LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,473
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,821
−HK$2,385/mo
Today · 4.125%
HK$80,206
baseline
▲ 0.50% · 4.625%
HK$85,087
+HK$4,881/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,412/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,963
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,215
−HK$2,285/mo
Today · 4.125%
HK$88,500
baseline
▲ 0.50% · 4.625%
HK$93,165
+HK$4,665/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,000/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,568
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,385
−HK$2,863/mo
Today · 4.125%
HK$96,248
baseline
▲ 0.50% · 4.625%
HK$102,104
+HK$5,856/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,496/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,756
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,458
−HK$2,742/mo
Today · 4.125%
HK$106,200
baseline
▲ 0.50% · 4.625%
HK$111,798
+HK$5,598/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,400/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,663
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,950
−HK$3,339/mo
Today · 4.125%
HK$112,289
baseline
▲ 0.50% · 4.625%
HK$119,121
+HK$6,832/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,578/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,549
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,701
−HK$3,199/mo
Today · 4.125%
HK$123,900
baseline
▲ 0.50% · 4.625%
HK$130,431
+HK$6,531/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,800/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,852
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,078
−HK$4,293/mo
Today · 4.125%
HK$144,371
baseline
▲ 0.50% · 4.625%
HK$153,156
+HK$8,785/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,742/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,134
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,188
−HK$4,111/mo
Today · 4.125%
HK$159,299
baseline
▲ 0.50% · 4.625%
HK$167,696
+HK$8,397/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,598/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,693 · Scale 2, in force from 26 Feb 2026)