LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,159
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,497
−HK$2,375/mo
Today · 4.125%
HK$79,872
baseline
▲ 0.50% · 4.625%
HK$84,733
+HK$4,861/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,744/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,614
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,856
−HK$2,275/mo
Today · 4.125%
HK$88,131
baseline
▲ 0.50% · 4.625%
HK$92,777
+HK$4,646/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,262/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,191
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,997
−HK$2,850/mo
Today · 4.125%
HK$95,847
baseline
▲ 0.50% · 4.625%
HK$101,679
+HK$5,832/mo
Deposit HK$13.18M · loan HK$19.78M · min. income ≈ HK$191,694/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,337
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,028
−HK$2,730/mo
Today · 4.125%
HK$105,758
baseline
▲ 0.50% · 4.625%
HK$111,332
+HK$5,574/mo
Deposit HK$13.18M · loan HK$19.78M · min. income ≈ HK$211,516/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,223
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,496
−HK$3,325/mo
Today · 4.125%
HK$111,821
baseline
▲ 0.50% · 4.625%
HK$118,626
+HK$6,805/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,642/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,060
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,199
−HK$3,185/mo
Today · 4.125%
HK$123,384
baseline
▲ 0.50% · 4.625%
HK$129,888
+HK$6,504/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,768/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,287
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$139,495
−HK$4,275/mo
Today · 4.125%
HK$143,770
baseline
▲ 0.50% · 4.625%
HK$152,519
+HK$8,749/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,540/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,505
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$154,542
−HK$4,095/mo
Today · 4.125%
HK$158,637
baseline
▲ 0.50% · 4.625%
HK$166,998
+HK$8,361/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,274/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,839 · Scale 2, in force from 26 Feb 2026)