LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,597
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,949
−HK$2,389/mo
Today · 4.125%
HK$80,338
baseline
▲ 0.50% · 4.625%
HK$85,226
+HK$4,888/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,676/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,101
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,357
−HK$2,288/mo
Today · 4.125%
HK$88,645
baseline
▲ 0.50% · 4.625%
HK$93,317
+HK$4,672/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,290/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,716
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,538
−HK$2,867/mo
Today · 4.125%
HK$96,405
baseline
▲ 0.50% · 4.625%
HK$102,271
+HK$5,866/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$192,810/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,921
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,628
−HK$2,746/mo
Today · 4.125%
HK$106,374
baseline
▲ 0.50% · 4.625%
HK$111,981
+HK$5,607/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$212,748/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,836
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,128
−HK$3,345/mo
Today · 4.125%
HK$112,473
baseline
▲ 0.50% · 4.625%
HK$119,316
+HK$6,843/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$224,946/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,741
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,899
−HK$3,204/mo
Today · 4.125%
HK$124,103
baseline
▲ 0.50% · 4.625%
HK$130,644
+HK$6,541/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$248,206/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,075
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$140,307
−HK$4,301/mo
Today · 4.125%
HK$144,608
baseline
▲ 0.50% · 4.625%
HK$153,407
+HK$8,799/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$289,216/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,382
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$155,442
−HK$4,118/mo
Today · 4.125%
HK$159,560
baseline
▲ 0.50% · 4.625%
HK$167,971
+HK$8,411/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$319,120/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,408,998 · Scale 2, in force from 26 Feb 2026)