LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,488
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,386/mo
Today · 4.125%
HK$80,222
baseline
▲ 0.50% · 4.625%
HK$85,103
+HK$4,881/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,444/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,980
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,232
−HK$2,285/mo
Today · 4.125%
HK$88,517
baseline
▲ 0.50% · 4.625%
HK$93,183
+HK$4,666/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,034/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,586
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,404
−HK$2,862/mo
Today · 4.125%
HK$96,266
baseline
▲ 0.50% · 4.625%
HK$102,124
+HK$5,858/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$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,776
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,479
−HK$2,742/mo
Today · 4.125%
HK$106,221
baseline
▲ 0.50% · 4.625%
HK$111,820
+HK$5,599/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,442/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,684
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,971
−HK$3,340/mo
Today · 4.125%
HK$112,311
baseline
▲ 0.50% · 4.625%
HK$119,145
+HK$6,834/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,622/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,572
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,725
−HK$3,199/mo
Today · 4.125%
HK$123,924
baseline
▲ 0.50% · 4.625%
HK$130,456
+HK$6,532/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,848/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,879
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$140,105
−HK$4,295/mo
Today · 4.125%
HK$144,400
baseline
▲ 0.50% · 4.625%
HK$153,186
+HK$8,786/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,800/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,164
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$155,218
−HK$4,113/mo
Today · 4.125%
HK$159,331
baseline
▲ 0.50% · 4.625%
HK$167,729
+HK$8,398/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,662/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,970 · Scale 2, in force from 26 Feb 2026)