LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,178
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,485
−HK$2,344/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$83,626
+HK$4,797/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$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,522
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,735
−HK$2,245/mo
Today · 4.125%
HK$86,980
baseline
▲ 0.50% · 4.625%
HK$91,565
+HK$4,585/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,960/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,013
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,782
−HK$2,813/mo
Today · 4.125%
HK$94,595
baseline
▲ 0.50% · 4.625%
HK$100,351
+HK$5,756/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,190/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,026
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,682
−HK$2,695/mo
Today · 4.125%
HK$104,377
baseline
▲ 0.50% · 4.625%
HK$109,878
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,754/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,849
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,079
−HK$3,282/mo
Today · 4.125%
HK$110,361
baseline
▲ 0.50% · 4.625%
HK$117,076
+HK$6,715/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,722/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,531
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,629
−HK$3,144/mo
Today · 4.125%
HK$121,773
baseline
▲ 0.50% · 4.625%
HK$128,191
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,546/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,520
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$137,673
−HK$4,220/mo
Today · 4.125%
HK$141,893
baseline
▲ 0.50% · 4.625%
HK$150,527
+HK$8,634/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,786/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,540
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,524
−HK$4,041/mo
Today · 4.125%
HK$156,565
baseline
▲ 0.50% · 4.625%
HK$164,818
+HK$8,253/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,130/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,546 · Scale 2, in force from 26 Feb 2026)