LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,488
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,385/mo
Today · 4.125%
HK$80,221
baseline
▲ 0.50% · 4.625%
HK$85,103
+HK$4,882/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,442/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,979
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,231
−HK$2,285/mo
Today · 4.125%
HK$88,516
baseline
▲ 0.50% · 4.625%
HK$93,182
+HK$4,666/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,032/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,585
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,403
−HK$2,863/mo
Today · 4.125%
HK$96,266
baseline
▲ 0.50% · 4.625%
HK$102,123
+HK$5,857/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,532/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,775
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,478
−HK$2,742/mo
Today · 4.125%
HK$106,220
baseline
▲ 0.50% · 4.625%
HK$111,819
+HK$5,599/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,440/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,683
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,970
−HK$3,340/mo
Today · 4.125%
HK$112,310
baseline
▲ 0.50% · 4.625%
HK$119,144
+HK$6,834/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,620/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,571
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,724
−HK$3,199/mo
Today · 4.125%
HK$123,923
baseline
▲ 0.50% · 4.625%
HK$130,455
+HK$6,532/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,846/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,878
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$140,104
−HK$4,294/mo
Today · 4.125%
HK$144,398
baseline
▲ 0.50% · 4.625%
HK$153,185
+HK$8,787/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,796/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,163
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,217
−HK$4,112/mo
Today · 4.125%
HK$159,329
baseline
▲ 0.50% · 4.625%
HK$167,728
+HK$8,399/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,658/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,958 · Scale 2, in force from 26 Feb 2026)