LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,158
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,496
−HK$2,375/mo
Today · 4.125%
HK$79,871
baseline
▲ 0.50% · 4.625%
HK$84,731
+HK$4,860/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,742/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,613
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,855
−HK$2,275/mo
Today · 4.125%
HK$88,130
baseline
▲ 0.50% · 4.625%
HK$92,776
+HK$4,646/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,260/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,190
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,995
−HK$2,851/mo
Today · 4.125%
HK$95,846
baseline
▲ 0.50% · 4.625%
HK$101,678
+HK$5,832/mo
Deposit HK$13.18M · loan HK$19.78M · min. income ≈ HK$191,692/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,335
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,026
−HK$2,730/mo
Today · 4.125%
HK$105,756
baseline
▲ 0.50% · 4.625%
HK$111,331
+HK$5,575/mo
Deposit HK$13.18M · loan HK$19.78M · min. income ≈ HK$211,512/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,221
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,494
−HK$3,326/mo
Today · 4.125%
HK$111,820
baseline
▲ 0.50% · 4.625%
HK$118,624
+HK$6,804/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,640/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,058
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,197
−HK$3,185/mo
Today · 4.125%
HK$123,382
baseline
▲ 0.50% · 4.625%
HK$129,886
+HK$6,504/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,764/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,285
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$139,493
−HK$4,275/mo
Today · 4.125%
HK$143,768
baseline
▲ 0.50% · 4.625%
HK$152,516
+HK$8,748/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,536/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,503
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$154,539
−HK$4,095/mo
Today · 4.125%
HK$158,634
baseline
▲ 0.50% · 4.625%
HK$166,996
+HK$8,362/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,268/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,818 · Scale 2, in force from 26 Feb 2026)