LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,500
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,848
−HK$2,386/mo
Today · 4.125%
HK$80,234
baseline
▲ 0.50% · 4.625%
HK$85,116
+HK$4,882/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,468/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,993
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,245
−HK$2,286/mo
Today · 4.125%
HK$88,531
baseline
▲ 0.50% · 4.625%
HK$93,197
+HK$4,666/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,062/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,600
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,418
−HK$2,863/mo
Today · 4.125%
HK$96,281
baseline
▲ 0.50% · 4.625%
HK$102,140
+HK$5,859/mo
Deposit HK$13.24M · loan HK$19.87M · min. income ≈ HK$192,562/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,791
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,494
−HK$2,743/mo
Today · 4.125%
HK$106,237
baseline
▲ 0.50% · 4.625%
HK$111,837
+HK$5,600/mo
Deposit HK$13.24M · loan HK$19.87M · min. income ≈ HK$212,474/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,700
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,987
−HK$3,341/mo
Today · 4.125%
HK$112,328
baseline
▲ 0.50% · 4.625%
HK$119,163
+HK$6,835/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$224,656/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,590
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,743
−HK$3,200/mo
Today · 4.125%
HK$123,943
baseline
▲ 0.50% · 4.625%
HK$130,476
+HK$6,533/mo
Deposit HK$9.93M · loan HK$23.18M · min. income ≈ HK$247,886/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,900
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,127
−HK$4,295/mo
Today · 4.125%
HK$144,422
baseline
▲ 0.50% · 4.625%
HK$153,209
+HK$8,787/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$288,844/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,187
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,242
−HK$4,113/mo
Today · 4.125%
HK$159,355
baseline
▲ 0.50% · 4.625%
HK$167,755
+HK$8,400/mo
Deposit HK$3.31M · loan HK$29.80M · min. income ≈ HK$318,710/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,184 · Scale 2, in force from 26 Feb 2026)