LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,148
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,454
−HK$2,344/mo
Today · 4.125%
HK$78,798
baseline
▲ 0.50% · 4.625%
HK$83,592
+HK$4,794/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,596/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,489
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,701
−HK$2,244/mo
Today · 4.125%
HK$86,945
baseline
▲ 0.50% · 4.625%
HK$91,528
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,890/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,978
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,745
−HK$2,812/mo
Today · 4.125%
HK$94,557
baseline
▲ 0.50% · 4.625%
HK$100,311
+HK$5,754/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,114/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,987
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,641
−HK$2,694/mo
Today · 4.125%
HK$104,335
baseline
▲ 0.50% · 4.625%
HK$109,834
+HK$5,499/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,670/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,807
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,036
−HK$3,281/mo
Today · 4.125%
HK$110,317
baseline
▲ 0.50% · 4.625%
HK$117,029
+HK$6,712/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$220,634/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,484
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,582
−HK$3,142/mo
Today · 4.125%
HK$121,724
baseline
▲ 0.50% · 4.625%
HK$128,140
+HK$6,416/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$243,448/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,466
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,618
−HK$4,218/mo
Today · 4.125%
HK$141,836
baseline
▲ 0.50% · 4.625%
HK$150,466
+HK$8,630/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,672/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,480
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,462
−HK$4,040/mo
Today · 4.125%
HK$156,502
baseline
▲ 0.50% · 4.625%
HK$164,751
+HK$8,249/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,004/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,988 · Scale 2, in force from 26 Feb 2026)