LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,183
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,491
−HK$2,344/mo
Today · 4.125%
HK$78,835
baseline
▲ 0.50% · 4.625%
HK$83,632
+HK$4,797/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,670/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,528
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,741
−HK$2,246/mo
Today · 4.125%
HK$86,987
baseline
▲ 0.50% · 4.625%
HK$91,572
+HK$4,585/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,974/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,020
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,789
−HK$2,813/mo
Today · 4.125%
HK$94,602
baseline
▲ 0.50% · 4.625%
HK$100,358
+HK$5,756/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,204/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,034
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,690
−HK$2,694/mo
Today · 4.125%
HK$104,384
baseline
▲ 0.50% · 4.625%
HK$109,886
+HK$5,502/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,768/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,856
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,087
−HK$3,282/mo
Today · 4.125%
HK$110,369
baseline
▲ 0.50% · 4.625%
HK$117,085
+HK$6,716/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,738/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,539
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,638
−HK$3,143/mo
Today · 4.125%
HK$121,781
baseline
▲ 0.50% · 4.625%
HK$128,201
+HK$6,420/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,562/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,530
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$137,683
−HK$4,220/mo
Today · 4.125%
HK$141,903
baseline
▲ 0.50% · 4.625%
HK$150,537
+HK$8,634/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,806/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,550
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$152,534
−HK$4,042/mo
Today · 4.125%
HK$156,576
baseline
▲ 0.50% · 4.625%
HK$164,829
+HK$8,253/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,152/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,644 · Scale 2, in force from 26 Feb 2026)