LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,149
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,486
−HK$2,375/mo
Today · 4.125%
HK$79,861
baseline
▲ 0.50% · 4.625%
HK$84,721
+HK$4,860/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,722/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,602
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,844
−HK$2,275/mo
Today · 4.125%
HK$88,119
baseline
▲ 0.50% · 4.625%
HK$92,764
+HK$4,645/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,238/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,178
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,984
−HK$2,849/mo
Today · 4.125%
HK$95,833
baseline
▲ 0.50% · 4.625%
HK$101,665
+HK$5,832/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,666/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,323
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,013
−HK$2,730/mo
Today · 4.125%
HK$105,743
baseline
▲ 0.50% · 4.625%
HK$111,317
+HK$5,574/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,486/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,208
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,481
−HK$3,325/mo
Today · 4.125%
HK$111,806
baseline
▲ 0.50% · 4.625%
HK$118,609
+HK$6,803/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,612/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,043
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,182
−HK$3,185/mo
Today · 4.125%
HK$123,367
baseline
▲ 0.50% · 4.625%
HK$129,869
+HK$6,502/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,734/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,268
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$139,475
−HK$4,275/mo
Today · 4.125%
HK$143,750
baseline
▲ 0.50% · 4.625%
HK$152,497
+HK$8,747/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,500/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,484
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$154,520
−HK$4,094/mo
Today · 4.125%
HK$158,614
baseline
▲ 0.50% · 4.625%
HK$166,975
+HK$8,361/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,228/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,642 · Scale 2, in force from 26 Feb 2026)