LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,177
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,484
−HK$2,345/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$83,625
+HK$4,796/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,521
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,734
−HK$2,245/mo
Today · 4.125%
HK$86,979
baseline
▲ 0.50% · 4.625%
HK$91,564
+HK$4,585/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,958/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,012
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,781
−HK$2,813/mo
Today · 4.125%
HK$94,594
baseline
▲ 0.50% · 4.625%
HK$100,350
+HK$5,756/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,188/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,025
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,681
−HK$2,694/mo
Today · 4.125%
HK$104,375
baseline
▲ 0.50% · 4.625%
HK$109,877
+HK$5,502/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,750/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,848
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,078
−HK$3,282/mo
Today · 4.125%
HK$110,360
baseline
▲ 0.50% · 4.625%
HK$117,075
+HK$6,715/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,720/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,530
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,628
−HK$3,143/mo
Today · 4.125%
HK$121,771
baseline
▲ 0.50% · 4.625%
HK$128,190
+HK$6,419/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,542/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,519
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$137,672
−HK$4,219/mo
Today · 4.125%
HK$141,891
baseline
▲ 0.50% · 4.625%
HK$150,525
+HK$8,634/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,782/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,538
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,522
−HK$4,041/mo
Today · 4.125%
HK$156,563
baseline
▲ 0.50% · 4.625%
HK$164,816
+HK$8,253/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,126/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,530 · Scale 2, in force from 26 Feb 2026)