LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,160
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,467
−HK$2,344/mo
Today · 4.125%
HK$78,811
baseline
▲ 0.50% · 4.625%
HK$83,606
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,622/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,502
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,715
−HK$2,245/mo
Today · 4.125%
HK$86,960
baseline
▲ 0.50% · 4.625%
HK$91,544
+HK$4,584/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,920/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,992
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,760
−HK$2,813/mo
Today · 4.125%
HK$94,573
baseline
▲ 0.50% · 4.625%
HK$100,327
+HK$5,754/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,146/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,003
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,658
−HK$2,694/mo
Today · 4.125%
HK$104,352
baseline
▲ 0.50% · 4.625%
HK$109,852
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,704/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,824
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,054
−HK$3,281/mo
Today · 4.125%
HK$110,335
baseline
▲ 0.50% · 4.625%
HK$117,049
+HK$6,714/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,670/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,503
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,601
−HK$3,143/mo
Today · 4.125%
HK$121,744
baseline
▲ 0.50% · 4.625%
HK$128,161
+HK$6,417/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,488/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,488
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$137,641
−HK$4,218/mo
Today · 4.125%
HK$141,859
baseline
▲ 0.50% · 4.625%
HK$150,491
+HK$8,632/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,718/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,504
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$152,487
−HK$4,041/mo
Today · 4.125%
HK$156,528
baseline
▲ 0.50% · 4.625%
HK$164,778
+HK$8,250/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,056/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,217 · Scale 2, in force from 26 Feb 2026)