LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,152
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,458
−HK$2,344/mo
Today · 4.125%
HK$78,802
baseline
▲ 0.50% · 4.625%
HK$83,597
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,604/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,493
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,705
−HK$2,245/mo
Today · 4.125%
HK$86,950
baseline
▲ 0.50% · 4.625%
HK$91,533
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,900/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,982
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,750
−HK$2,812/mo
Today · 4.125%
HK$94,562
baseline
▲ 0.50% · 4.625%
HK$100,316
+HK$5,754/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,124/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,992
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,647
−HK$2,693/mo
Today · 4.125%
HK$104,340
baseline
▲ 0.50% · 4.625%
HK$109,840
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,680/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,812
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,042
−HK$3,280/mo
Today · 4.125%
HK$110,322
baseline
▲ 0.50% · 4.625%
HK$117,035
+HK$6,713/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$220,644/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,490
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,588
−HK$3,142/mo
Today · 4.125%
HK$121,730
baseline
▲ 0.50% · 4.625%
HK$128,146
+HK$6,416/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$243,460/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,473
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,625
−HK$4,218/mo
Today · 4.125%
HK$141,843
baseline
▲ 0.50% · 4.625%
HK$150,474
+HK$8,631/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,686/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,488
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,470
−HK$4,040/mo
Today · 4.125%
HK$156,510
baseline
▲ 0.50% · 4.625%
HK$164,760
+HK$8,250/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,020/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,059 · Scale 2, in force from 26 Feb 2026)