LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,140
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,446
−HK$2,343/mo
Today · 4.125%
HK$78,789
baseline
▲ 0.50% · 4.625%
HK$83,583
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,578/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,480
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,692
−HK$2,244/mo
Today · 4.125%
HK$86,936
baseline
▲ 0.50% · 4.625%
HK$91,518
+HK$4,582/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,872/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,968
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,735
−HK$2,812/mo
Today · 4.125%
HK$94,547
baseline
▲ 0.50% · 4.625%
HK$100,300
+HK$5,753/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,094/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,976
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,630
−HK$2,693/mo
Today · 4.125%
HK$104,323
baseline
▲ 0.50% · 4.625%
HK$109,822
+HK$5,499/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,646/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,796
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,024
−HK$3,280/mo
Today · 4.125%
HK$110,304
baseline
▲ 0.50% · 4.625%
HK$117,016
+HK$6,712/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,608/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,471
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,568
−HK$3,142/mo
Today · 4.125%
HK$121,710
baseline
▲ 0.50% · 4.625%
HK$128,126
+HK$6,416/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,420/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,451
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$137,602
−HK$4,218/mo
Today · 4.125%
HK$141,820
baseline
▲ 0.50% · 4.625%
HK$150,449
+HK$8,629/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,640/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,463
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$152,445
−HK$4,039/mo
Today · 4.125%
HK$156,484
baseline
▲ 0.50% · 4.625%
HK$164,733
+HK$8,249/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,968/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,834 · Scale 2, in force from 26 Feb 2026)