LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,134
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,440
−HK$2,343/mo
Today · 4.125%
HK$78,783
baseline
▲ 0.50% · 4.625%
HK$83,577
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,566/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,474
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,686
−HK$2,243/mo
Today · 4.125%
HK$86,929
baseline
▲ 0.50% · 4.625%
HK$91,512
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,858/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,961
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,728
−HK$2,812/mo
Today · 4.125%
HK$94,540
baseline
▲ 0.50% · 4.625%
HK$100,292
+HK$5,752/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$189,080/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,968
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,623
−HK$2,692/mo
Today · 4.125%
HK$104,315
baseline
▲ 0.50% · 4.625%
HK$109,814
+HK$5,499/mo
Deposit HK$13.00M · loan HK$19.51M · min. income ≈ HK$208,630/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,788
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,016
−HK$3,280/mo
Today · 4.125%
HK$110,296
baseline
▲ 0.50% · 4.625%
HK$117,008
+HK$6,712/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,592/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,463
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,560
−HK$3,141/mo
Today · 4.125%
HK$121,701
baseline
▲ 0.50% · 4.625%
HK$128,116
+HK$6,415/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,402/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,442
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$137,592
−HK$4,218/mo
Today · 4.125%
HK$141,810
baseline
▲ 0.50% · 4.625%
HK$150,438
+HK$8,628/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,620/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,453
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$152,434
−HK$4,039/mo
Today · 4.125%
HK$156,473
baseline
▲ 0.50% · 4.625%
HK$164,721
+HK$8,248/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,946/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,734 · Scale 2, in force from 26 Feb 2026)