LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,322
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,665
−HK$2,380/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,871/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,042
−HK$2,280/mo
Today · 4.125%
HK$88,322
baseline
▲ 0.50% · 4.625%
HK$92,978
+HK$4,656/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,644/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,386
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,198
−HK$2,856/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,899
+HK$5,845/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,554
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,251
−HK$2,736/mo
Today · 4.125%
HK$105,987
baseline
▲ 0.50% · 4.625%
HK$111,573
+HK$5,586/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,974/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,451
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,731
−HK$3,333/mo
Today · 4.125%
HK$112,064
baseline
▲ 0.50% · 4.625%
HK$118,882
+HK$6,818/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,128/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,313
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,459
−HK$3,192/mo
Today · 4.125%
HK$123,651
baseline
▲ 0.50% · 4.625%
HK$130,169
+HK$6,518/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,302/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,580
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,797
−HK$4,285/mo
Today · 4.125%
HK$144,082
baseline
▲ 0.50% · 4.625%
HK$152,849
+HK$8,767/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,164/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,831
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$154,876
−HK$4,104/mo
Today · 4.125%
HK$158,980
baseline
▲ 0.50% · 4.625%
HK$167,360
+HK$8,380/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,960/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,872 · Scale 2, in force from 26 Feb 2026)