LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,524
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,874
−HK$2,386/mo
Today · 4.125%
HK$80,260
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,884/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,520/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,285/mo
Today · 4.125%
HK$88,559
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$4,669/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,118/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,629
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,448
−HK$2,865/mo
Today · 4.125%
HK$96,313
baseline
▲ 0.50% · 4.625%
HK$102,173
+HK$5,860/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$192,626/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,824
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,528
−HK$2,743/mo
Today · 4.125%
HK$106,271
baseline
▲ 0.50% · 4.625%
HK$111,873
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.87M · min. income ≈ HK$212,542/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,734
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,023
−HK$3,342/mo
Today · 4.125%
HK$112,365
baseline
▲ 0.50% · 4.625%
HK$119,202
+HK$6,837/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$224,730/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,628
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,783
−HK$3,200/mo
Today · 4.125%
HK$123,983
baseline
▲ 0.50% · 4.625%
HK$130,519
+HK$6,536/mo
Deposit HK$9.94M · loan HK$23.18M · min. income ≈ HK$247,966/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,944
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$140,173
−HK$4,296/mo
Today · 4.125%
HK$144,469
baseline
▲ 0.50% · 4.625%
HK$153,259
+HK$8,790/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$288,938/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,236
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,292
−HK$4,115/mo
Today · 4.125%
HK$159,407
baseline
▲ 0.50% · 4.625%
HK$167,810
+HK$8,403/mo
Deposit HK$3.31M · loan HK$29.81M · min. income ≈ HK$318,814/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,643 · Scale 2, in force from 26 Feb 2026)