LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,151
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,457
−HK$2,344/mo
Today · 4.125%
HK$78,801
baseline
▲ 0.50% · 4.625%
HK$83,596
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,602/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,492
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,705
−HK$2,244/mo
Today · 4.125%
HK$86,949
baseline
▲ 0.50% · 4.625%
HK$91,532
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,898/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,981
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,749
−HK$2,812/mo
Today · 4.125%
HK$94,561
baseline
▲ 0.50% · 4.625%
HK$100,315
+HK$5,754/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,122/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,991
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,645
−HK$2,694/mo
Today · 4.125%
HK$104,339
baseline
▲ 0.50% · 4.625%
HK$109,839
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,678/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,811
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,040
−HK$3,281/mo
Today · 4.125%
HK$110,321
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$6,713/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$220,642/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,489
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,586
−HK$3,143/mo
Today · 4.125%
HK$121,729
baseline
▲ 0.50% · 4.625%
HK$128,145
+HK$6,416/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$243,458/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,472
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,623
−HK$4,219/mo
Today · 4.125%
HK$141,842
baseline
▲ 0.50% · 4.625%
HK$150,472
+HK$8,630/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,684/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,486
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,468
−HK$4,040/mo
Today · 4.125%
HK$156,508
baseline
▲ 0.50% · 4.625%
HK$164,758
+HK$8,250/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,016/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,045 · Scale 2, in force from 26 Feb 2026)