LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,193
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,501
−HK$2,344/mo
Today · 4.125%
HK$78,845
baseline
▲ 0.50% · 4.625%
HK$83,643
+HK$4,798/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,690/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,539
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,752
−HK$2,246/mo
Today · 4.125%
HK$86,998
baseline
▲ 0.50% · 4.625%
HK$91,584
+HK$4,586/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,996/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,031
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,801
−HK$2,813/mo
Today · 4.125%
HK$94,614
baseline
▲ 0.50% · 4.625%
HK$100,372
+HK$5,758/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,228/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,047
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,703
−HK$2,695/mo
Today · 4.125%
HK$104,398
baseline
▲ 0.50% · 4.625%
HK$109,901
+HK$5,503/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,796/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,870
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,101
−HK$3,283/mo
Today · 4.125%
HK$110,384
baseline
▲ 0.50% · 4.625%
HK$117,100
+HK$6,716/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$220,768/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,554
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,653
−HK$3,144/mo
Today · 4.125%
HK$121,797
baseline
▲ 0.50% · 4.625%
HK$128,217
+HK$6,420/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,594/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,547
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,701
−HK$4,221/mo
Today · 4.125%
HK$141,922
baseline
▲ 0.50% · 4.625%
HK$150,557
+HK$8,635/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,844/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,570
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$152,554
−HK$4,043/mo
Today · 4.125%
HK$156,597
baseline
▲ 0.50% · 4.625%
HK$164,851
+HK$8,254/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,194/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,826 · Scale 2, in force from 26 Feb 2026)