LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,130
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,467
−HK$2,374/mo
Today · 4.125%
HK$79,841
baseline
▲ 0.50% · 4.625%
HK$84,700
+HK$4,859/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,682/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,581
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,823
−HK$2,274/mo
Today · 4.125%
HK$88,097
baseline
▲ 0.50% · 4.625%
HK$92,741
+HK$4,644/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,194/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,156
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,960
−HK$2,850/mo
Today · 4.125%
HK$95,810
baseline
▲ 0.50% · 4.625%
HK$101,639
+HK$5,829/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,620/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,298
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,988
−HK$2,728/mo
Today · 4.125%
HK$105,716
baseline
▲ 0.50% · 4.625%
HK$111,289
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,432/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,182
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,454
−HK$3,324/mo
Today · 4.125%
HK$111,778
baseline
▲ 0.50% · 4.625%
HK$118,579
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,556/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,014
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,152
−HK$3,184/mo
Today · 4.125%
HK$123,336
baseline
▲ 0.50% · 4.625%
HK$129,837
+HK$6,501/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,672/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,234
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,441
−HK$4,273/mo
Today · 4.125%
HK$143,714
baseline
▲ 0.50% · 4.625%
HK$152,459
+HK$8,745/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,428/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,447
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,481
−HK$4,094/mo
Today · 4.125%
HK$158,575
baseline
▲ 0.50% · 4.625%
HK$166,933
+HK$8,358/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,150/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,293 · Scale 2, in force from 26 Feb 2026)