LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,193
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,501
−HK$2,345/mo
Today · 4.125%
HK$78,846
baseline
▲ 0.50% · 4.625%
HK$83,644
+HK$4,798/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,692/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,539
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,753
−HK$2,246/mo
Today · 4.125%
HK$86,999
baseline
▲ 0.50% · 4.625%
HK$91,585
+HK$4,586/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,998/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,032
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,802
−HK$2,813/mo
Today · 4.125%
HK$94,615
baseline
▲ 0.50% · 4.625%
HK$100,372
+HK$5,757/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,230/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,047
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,704
−HK$2,695/mo
Today · 4.125%
HK$104,399
baseline
▲ 0.50% · 4.625%
HK$109,902
+HK$5,503/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,798/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,871
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,102
−HK$3,282/mo
Today · 4.125%
HK$110,384
baseline
▲ 0.50% · 4.625%
HK$117,101
+HK$6,717/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$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,555
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,654
−HK$3,144/mo
Today · 4.125%
HK$121,798
baseline
▲ 0.50% · 4.625%
HK$128,219
+HK$6,421/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,596/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,548
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,702
−HK$4,221/mo
Today · 4.125%
HK$141,923
baseline
▲ 0.50% · 4.625%
HK$150,559
+HK$8,636/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,846/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,571
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$152,556
−HK$4,042/mo
Today · 4.125%
HK$156,598
baseline
▲ 0.50% · 4.625%
HK$164,852
+HK$8,254/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,196/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,837 · Scale 2, in force from 26 Feb 2026)