LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,495
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,844
−HK$2,386/mo
Today · 4.125%
HK$80,230
baseline
▲ 0.50% · 4.625%
HK$85,111
+HK$4,881/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,460/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,988
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,240
−HK$2,285/mo
Today · 4.125%
HK$88,525
baseline
▲ 0.50% · 4.625%
HK$93,192
+HK$4,667/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,050/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,594
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,412
−HK$2,863/mo
Today · 4.125%
HK$96,275
baseline
▲ 0.50% · 4.625%
HK$102,134
+HK$5,859/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,550/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,785
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,488
−HK$2,742/mo
Today · 4.125%
HK$106,230
baseline
▲ 0.50% · 4.625%
HK$111,830
+HK$5,600/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,460/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,693
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,981
−HK$3,340/mo
Today · 4.125%
HK$112,321
baseline
▲ 0.50% · 4.625%
HK$119,156
+HK$6,835/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$224,642/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,583
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,736
−HK$3,199/mo
Today · 4.125%
HK$123,935
baseline
▲ 0.50% · 4.625%
HK$130,468
+HK$6,533/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$247,870/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,892
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$140,119
−HK$4,294/mo
Today · 4.125%
HK$144,413
baseline
▲ 0.50% · 4.625%
HK$153,200
+HK$8,787/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$288,826/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,178
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,232
−HK$4,114/mo
Today · 4.125%
HK$159,346
baseline
▲ 0.50% · 4.625%
HK$167,745
+HK$8,399/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$318,692/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,101 · Scale 2, in force from 26 Feb 2026)