LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,200
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,509
−HK$2,345/mo
Today · 4.125%
HK$78,854
baseline
▲ 0.50% · 4.625%
HK$83,652
+HK$4,798/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,708/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,547
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,761
−HK$2,246/mo
Today · 4.125%
HK$87,007
baseline
▲ 0.50% · 4.625%
HK$91,593
+HK$4,586/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$174,014/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,041
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,810
−HK$2,814/mo
Today · 4.125%
HK$94,624
baseline
▲ 0.50% · 4.625%
HK$100,382
+HK$5,758/mo
Deposit HK$13.02M · loan HK$19.52M · min. income ≈ HK$189,248/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,057
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,713
−HK$2,696/mo
Today · 4.125%
HK$104,409
baseline
▲ 0.50% · 4.625%
HK$109,912
+HK$5,503/mo
Deposit HK$13.02M · loan HK$19.52M · min. income ≈ HK$208,818/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,881
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,112
−HK$3,283/mo
Today · 4.125%
HK$110,395
baseline
▲ 0.50% · 4.625%
HK$117,112
+HK$6,717/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$220,790/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,566
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,666
−HK$3,144/mo
Today · 4.125%
HK$121,810
baseline
▲ 0.50% · 4.625%
HK$128,231
+HK$6,421/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,620/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,561
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,715
−HK$4,221/mo
Today · 4.125%
HK$141,936
baseline
▲ 0.50% · 4.625%
HK$150,573
+HK$8,637/mo
Deposit HK$3.25M · loan HK$29.29M · min. income ≈ HK$283,872/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,585
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$152,570
−HK$4,043/mo
Today · 4.125%
HK$156,613
baseline
▲ 0.50% · 4.625%
HK$164,868
+HK$8,255/mo
Deposit HK$3.25M · loan HK$29.29M · min. income ≈ HK$313,226/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,968 · Scale 2, in force from 26 Feb 2026)