LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,190
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,529
−HK$2,376/mo
Today · 4.125%
HK$79,905
baseline
▲ 0.50% · 4.625%
HK$84,767
+HK$4,862/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,810/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,892
−HK$2,276/mo
Today · 4.125%
HK$88,168
baseline
▲ 0.50% · 4.625%
HK$92,815
+HK$4,647/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,336/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,228
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,035
−HK$2,851/mo
Today · 4.125%
HK$95,886
baseline
▲ 0.50% · 4.625%
HK$101,721
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,772/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,378
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,070
−HK$2,731/mo
Today · 4.125%
HK$105,801
baseline
▲ 0.50% · 4.625%
HK$111,378
+HK$5,577/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,602/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,266
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,541
−HK$3,326/mo
Today · 4.125%
HK$111,867
baseline
▲ 0.50% · 4.625%
HK$118,674
+HK$6,807/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,734/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,108
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,248
−HK$3,187/mo
Today · 4.125%
HK$123,435
baseline
▲ 0.50% · 4.625%
HK$129,941
+HK$6,506/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,870/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,342
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$139,552
−HK$4,277/mo
Today · 4.125%
HK$143,829
baseline
▲ 0.50% · 4.625%
HK$152,581
+HK$8,752/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,658/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,567
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$154,605
−HK$4,097/mo
Today · 4.125%
HK$158,702
baseline
▲ 0.50% · 4.625%
HK$167,067
+HK$8,365/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,404/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,414 · Scale 2, in force from 26 Feb 2026)