LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,127
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,464
−HK$2,374/mo
Today · 4.125%
HK$79,838
baseline
▲ 0.50% · 4.625%
HK$84,696
+HK$4,858/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,676/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,578
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,819
−HK$2,274/mo
Today · 4.125%
HK$88,093
baseline
▲ 0.50% · 4.625%
HK$92,737
+HK$4,644/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,186/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,152
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,956
−HK$2,849/mo
Today · 4.125%
HK$95,805
baseline
▲ 0.50% · 4.625%
HK$101,635
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,610/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,293
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,983
−HK$2,729/mo
Today · 4.125%
HK$105,712
baseline
▲ 0.50% · 4.625%
HK$111,284
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,424/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,177
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,449
−HK$3,324/mo
Today · 4.125%
HK$111,773
baseline
▲ 0.50% · 4.625%
HK$118,574
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,546/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,009
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,147
−HK$3,183/mo
Today · 4.125%
HK$123,330
baseline
▲ 0.50% · 4.625%
HK$129,831
+HK$6,501/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,660/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,228
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,434
−HK$4,274/mo
Today · 4.125%
HK$143,708
baseline
▲ 0.50% · 4.625%
HK$152,452
+HK$8,744/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,416/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,440
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,475
−HK$4,093/mo
Today · 4.125%
HK$158,568
baseline
▲ 0.50% · 4.625%
HK$166,926
+HK$8,358/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,136/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,231 · Scale 2, in force from 26 Feb 2026)