LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,739
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,095
−HK$2,394/mo
Today · 4.125%
HK$80,489
baseline
▲ 0.50% · 4.625%
HK$85,386
+HK$4,897/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$160,978/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,259
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,519
−HK$2,292/mo
Today · 4.125%
HK$88,811
baseline
▲ 0.50% · 4.625%
HK$93,493
+HK$4,682/mo
Deposit HK$16.61M · loan HK$16.61M · min. income ≈ HK$177,622/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,887
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,714
−HK$2,872/mo
Today · 4.125%
HK$96,586
baseline
▲ 0.50% · 4.625%
HK$102,463
+HK$5,877/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$193,172/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,111
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,822
−HK$2,751/mo
Today · 4.125%
HK$106,573
baseline
▲ 0.50% · 4.625%
HK$112,191
+HK$5,618/mo
Deposit HK$13.29M · loan HK$19.93M · min. income ≈ HK$213,146/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,035
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,333
−HK$3,351/mo
Today · 4.125%
HK$112,684
baseline
▲ 0.50% · 4.625%
HK$119,541
+HK$6,857/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$225,368/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,962
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,126
−HK$3,210/mo
Today · 4.125%
HK$124,336
baseline
▲ 0.50% · 4.625%
HK$130,890
+HK$6,554/mo
Deposit HK$9.96M · loan HK$23.25M · min. income ≈ HK$248,672/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,330
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,571
−HK$4,308/mo
Today · 4.125%
HK$144,879
baseline
▲ 0.50% · 4.625%
HK$153,695
+HK$8,816/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$289,758/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,666
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,734
−HK$4,126/mo
Today · 4.125%
HK$159,860
baseline
▲ 0.50% · 4.625%
HK$168,287
+HK$8,427/mo
Deposit HK$3.32M · loan HK$29.89M · min. income ≈ HK$319,720/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,411,644 · Scale 2, in force from 26 Feb 2026)