LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,308
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,650
−HK$2,380/mo
Today · 4.125%
HK$80,030
baseline
▲ 0.50% · 4.625%
HK$84,900
+HK$4,870/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,060/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,779
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,026
−HK$2,280/mo
Today · 4.125%
HK$88,306
baseline
▲ 0.50% · 4.625%
HK$92,960
+HK$4,654/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,612/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,369
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,180
−HK$2,856/mo
Today · 4.125%
HK$96,036
baseline
▲ 0.50% · 4.625%
HK$101,880
+HK$5,844/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,072/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,535
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,231
−HK$2,736/mo
Today · 4.125%
HK$105,967
baseline
▲ 0.50% · 4.625%
HK$111,552
+HK$5,585/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,934/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,431
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,711
−HK$3,332/mo
Today · 4.125%
HK$112,043
baseline
▲ 0.50% · 4.625%
HK$118,860
+HK$6,817/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,086/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,291
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,437
−HK$3,191/mo
Today · 4.125%
HK$123,628
baseline
▲ 0.50% · 4.625%
HK$130,144
+HK$6,516/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,256/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,554
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,771
−HK$4,284/mo
Today · 4.125%
HK$144,055
baseline
▲ 0.50% · 4.625%
HK$152,820
+HK$8,765/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$288,110/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,803
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$154,847
−HK$4,103/mo
Today · 4.125%
HK$158,950
baseline
▲ 0.50% · 4.625%
HK$167,329
+HK$8,379/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$317,900/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,608 · Scale 2, in force from 26 Feb 2026)