LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,166
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,473
−HK$2,344/mo
Today · 4.125%
HK$78,817
baseline
▲ 0.50% · 4.625%
HK$83,613
+HK$4,796/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,634/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,722
−HK$2,245/mo
Today · 4.125%
HK$86,967
baseline
▲ 0.50% · 4.625%
HK$91,551
+HK$4,584/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,934/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,999
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,768
−HK$2,812/mo
Today · 4.125%
HK$94,580
baseline
▲ 0.50% · 4.625%
HK$100,335
+HK$5,755/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,160/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,011
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,666
−HK$2,694/mo
Today · 4.125%
HK$104,360
baseline
▲ 0.50% · 4.625%
HK$109,861
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,720/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,833
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,062
−HK$3,282/mo
Today · 4.125%
HK$110,344
baseline
▲ 0.50% · 4.625%
HK$117,058
+HK$6,714/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,688/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,513
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,611
−HK$3,142/mo
Today · 4.125%
HK$121,753
baseline
▲ 0.50% · 4.625%
HK$128,171
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,506/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,499
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$137,652
−HK$4,219/mo
Today · 4.125%
HK$141,871
baseline
▲ 0.50% · 4.625%
HK$150,503
+HK$8,632/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,742/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,516
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$152,499
−HK$4,041/mo
Today · 4.125%
HK$156,540
baseline
▲ 0.50% · 4.625%
HK$164,792
+HK$8,252/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,080/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,327 · Scale 2, in force from 26 Feb 2026)