LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,171
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,509
−HK$2,376/mo
Today · 4.125%
HK$79,885
baseline
▲ 0.50% · 4.625%
HK$84,746
+HK$4,861/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,770/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,627
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,870
−HK$2,275/mo
Today · 4.125%
HK$88,145
baseline
▲ 0.50% · 4.625%
HK$92,792
+HK$4,647/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,290/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,205
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,011
−HK$2,851/mo
Today · 4.125%
HK$95,862
baseline
▲ 0.50% · 4.625%
HK$101,695
+HK$5,833/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,724/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,353
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,044
−HK$2,730/mo
Today · 4.125%
HK$105,774
baseline
▲ 0.50% · 4.625%
HK$111,350
+HK$5,576/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,548/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,240
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,513
−HK$3,326/mo
Today · 4.125%
HK$111,839
baseline
▲ 0.50% · 4.625%
HK$118,644
+HK$6,805/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,678/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,078
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,218
−HK$3,185/mo
Today · 4.125%
HK$123,403
baseline
▲ 0.50% · 4.625%
HK$129,908
+HK$6,505/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,806/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,308
−HK$8,485/mo
▼ 0.25% · 3.875%
HK$139,517
−HK$4,276/mo
Today · 4.125%
HK$143,793
baseline
▲ 0.50% · 4.625%
HK$152,543
+HK$8,750/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$287,586/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,529
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$154,566
−HK$4,096/mo
Today · 4.125%
HK$158,662
baseline
▲ 0.50% · 4.625%
HK$167,025
+HK$8,363/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$317,324/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,061 · Scale 2, in force from 26 Feb 2026)