LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,540
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,890
−HK$2,387/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$85,162
+HK$4,885/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,038
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,291
−HK$2,287/mo
Today · 4.125%
HK$88,578
baseline
▲ 0.50% · 4.625%
HK$93,247
+HK$4,669/mo
Deposit HK$16.56M · loan HK$16.56M · min. income ≈ HK$177,156/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,648
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,468
−HK$2,865/mo
Today · 4.125%
HK$96,333
baseline
▲ 0.50% · 4.625%
HK$102,194
+HK$5,861/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$192,666/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,845
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,550
−HK$2,744/mo
Today · 4.125%
HK$106,294
baseline
▲ 0.50% · 4.625%
HK$111,896
+HK$5,602/mo
Deposit HK$13.25M · loan HK$19.88M · min. income ≈ HK$212,588/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,756
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,046
−HK$3,342/mo
Today · 4.125%
HK$112,388
baseline
▲ 0.50% · 4.625%
HK$119,227
+HK$6,839/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$224,776/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,653
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,808
−HK$3,201/mo
Today · 4.125%
HK$124,009
baseline
▲ 0.50% · 4.625%
HK$130,546
+HK$6,537/mo
Deposit HK$9.94M · loan HK$23.19M · min. income ≈ HK$248,018/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,972
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,202
−HK$4,297/mo
Today · 4.125%
HK$144,499
baseline
▲ 0.50% · 4.625%
HK$153,291
+HK$8,792/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$288,998/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,268
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$155,325
−HK$4,115/mo
Today · 4.125%
HK$159,440
baseline
▲ 0.50% · 4.625%
HK$167,845
+HK$8,405/mo
Deposit HK$3.31M · loan HK$29.82M · min. income ≈ HK$318,880/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,407,937 · Scale 2, in force from 26 Feb 2026)