LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,167
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,505
−HK$2,375/mo
Today · 4.125%
HK$79,880
baseline
▲ 0.50% · 4.625%
HK$84,741
+HK$4,861/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,760/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,622
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,865
−HK$2,275/mo
Today · 4.125%
HK$88,140
baseline
▲ 0.50% · 4.625%
HK$92,786
+HK$4,646/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,280/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,200
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$93,006
−HK$2,850/mo
Today · 4.125%
HK$95,856
baseline
▲ 0.50% · 4.625%
HK$101,689
+HK$5,833/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,712/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,346
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,038
−HK$2,730/mo
Today · 4.125%
HK$105,768
baseline
▲ 0.50% · 4.625%
HK$111,343
+HK$5,575/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,536/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,233
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,507
−HK$3,325/mo
Today · 4.125%
HK$111,832
baseline
▲ 0.50% · 4.625%
HK$118,637
+HK$6,805/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,664/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,071
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,211
−HK$3,185/mo
Today · 4.125%
HK$123,396
baseline
▲ 0.50% · 4.625%
HK$129,900
+HK$6,504/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,792/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,300
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$139,508
−HK$4,276/mo
Today · 4.125%
HK$143,784
baseline
▲ 0.50% · 4.625%
HK$152,533
+HK$8,749/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$287,568/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,520
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$154,557
−HK$4,095/mo
Today · 4.125%
HK$158,652
baseline
▲ 0.50% · 4.625%
HK$167,015
+HK$8,363/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$317,304/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,974 · Scale 2, in force from 26 Feb 2026)