LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,176
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,514
−HK$2,376/mo
Today · 4.125%
HK$79,890
baseline
▲ 0.50% · 4.625%
HK$84,751
+HK$4,861/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,780/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,632
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,875
−HK$2,275/mo
Today · 4.125%
HK$88,150
baseline
▲ 0.50% · 4.625%
HK$92,797
+HK$4,647/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,300/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,211
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,017
−HK$2,851/mo
Today · 4.125%
HK$95,868
baseline
▲ 0.50% · 4.625%
HK$101,701
+HK$5,833/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,736/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,358
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,050
−HK$2,731/mo
Today · 4.125%
HK$105,781
baseline
▲ 0.50% · 4.625%
HK$111,356
+HK$5,575/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,562/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,246
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,520
−HK$3,326/mo
Today · 4.125%
HK$111,846
baseline
▲ 0.50% · 4.625%
HK$118,651
+HK$6,805/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,692/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,085
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,225
−HK$3,186/mo
Today · 4.125%
HK$123,411
baseline
▲ 0.50% · 4.625%
HK$129,916
+HK$6,505/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,822/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,316
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$139,525
−HK$4,277/mo
Today · 4.125%
HK$143,802
baseline
▲ 0.50% · 4.625%
HK$152,552
+HK$8,750/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$287,604/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,538
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$154,575
−HK$4,096/mo
Today · 4.125%
HK$158,671
baseline
▲ 0.50% · 4.625%
HK$167,035
+HK$8,364/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$317,342/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,142 · Scale 2, in force from 26 Feb 2026)