LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,635
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,988
−HK$2,390/mo
Today · 4.125%
HK$80,378
baseline
▲ 0.50% · 4.625%
HK$85,269
+HK$4,891/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,756/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,144
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,400
−HK$2,290/mo
Today · 4.125%
HK$88,690
baseline
▲ 0.50% · 4.625%
HK$93,365
+HK$4,675/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,380/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,763
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,586
−HK$2,868/mo
Today · 4.125%
HK$96,454
baseline
▲ 0.50% · 4.625%
HK$102,323
+HK$5,869/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$192,908/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,972
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,680
−HK$2,748/mo
Today · 4.125%
HK$106,428
baseline
▲ 0.50% · 4.625%
HK$112,038
+HK$5,610/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$212,856/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,890
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,183
−HK$3,347/mo
Today · 4.125%
HK$112,530
baseline
▲ 0.50% · 4.625%
HK$119,377
+HK$6,847/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,060/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,801
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,961
−HK$3,205/mo
Today · 4.125%
HK$124,166
baseline
▲ 0.50% · 4.625%
HK$130,711
+HK$6,545/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,332/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,144
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$140,379
−HK$4,302/mo
Today · 4.125%
HK$144,681
baseline
▲ 0.50% · 4.625%
HK$153,485
+HK$8,804/mo
Deposit HK$3.32M · loan HK$29.85M · min. income ≈ HK$289,362/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,459
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$155,521
−HK$4,120/mo
Today · 4.125%
HK$159,641
baseline
▲ 0.50% · 4.625%
HK$168,056
+HK$8,415/mo
Deposit HK$3.32M · loan HK$29.85M · min. income ≈ HK$319,282/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,713 · Scale 2, in force from 26 Feb 2026)