LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,174
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,513
−HK$2,376/mo
Today · 4.125%
HK$79,889
baseline
▲ 0.50% · 4.625%
HK$84,750
+HK$4,861/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,778/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,631
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,874
−HK$2,275/mo
Today · 4.125%
HK$88,149
baseline
▲ 0.50% · 4.625%
HK$92,796
+HK$4,647/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,298/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,209
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,015
−HK$2,851/mo
Today · 4.125%
HK$95,866
baseline
▲ 0.50% · 4.625%
HK$101,700
+HK$5,834/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,732/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,357
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,049
−HK$2,730/mo
Today · 4.125%
HK$105,779
baseline
▲ 0.50% · 4.625%
HK$111,355
+HK$5,576/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,558/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,244
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,518
−HK$3,326/mo
Today · 4.125%
HK$111,844
baseline
▲ 0.50% · 4.625%
HK$118,649
+HK$6,805/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,688/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,083
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,223
−HK$3,186/mo
Today · 4.125%
HK$123,409
baseline
▲ 0.50% · 4.625%
HK$129,914
+HK$6,505/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,818/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,314
−HK$8,485/mo
▼ 0.25% · 3.875%
HK$139,523
−HK$4,276/mo
Today · 4.125%
HK$143,799
baseline
▲ 0.50% · 4.625%
HK$152,549
+HK$8,750/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$287,598/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,536
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$154,573
−HK$4,096/mo
Today · 4.125%
HK$158,669
baseline
▲ 0.50% · 4.625%
HK$167,032
+HK$8,363/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$317,338/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,122 · Scale 2, in force from 26 Feb 2026)