LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,217
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,525
−HK$2,346/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,670
+HK$4,799/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,565
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,779
−HK$2,247/mo
Today · 4.125%
HK$87,026
baseline
▲ 0.50% · 4.625%
HK$91,613
+HK$4,587/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$174,052/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,060
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,830
−HK$2,815/mo
Today · 4.125%
HK$94,645
baseline
▲ 0.50% · 4.625%
HK$100,404
+HK$5,759/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,290/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,078
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,735
−HK$2,696/mo
Today · 4.125%
HK$104,431
baseline
▲ 0.50% · 4.625%
HK$109,936
+HK$5,505/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,862/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,903
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,135
−HK$3,284/mo
Today · 4.125%
HK$110,419
baseline
▲ 0.50% · 4.625%
HK$117,137
+HK$6,718/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$220,838/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,591
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,691
−HK$3,145/mo
Today · 4.125%
HK$121,836
baseline
▲ 0.50% · 4.625%
HK$128,258
+HK$6,422/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,672/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,590
−HK$8,377/mo
▼ 0.25% · 3.875%
HK$137,745
−HK$4,222/mo
Today · 4.125%
HK$141,967
baseline
▲ 0.50% · 4.625%
HK$150,605
+HK$8,638/mo
Deposit HK$3.25M · loan HK$29.29M · min. income ≈ HK$283,934/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,617
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,603
−HK$4,044/mo
Today · 4.125%
HK$156,647
baseline
▲ 0.50% · 4.625%
HK$164,904
+HK$8,257/mo
Deposit HK$3.25M · loan HK$29.29M · min. income ≈ HK$313,294/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,267 · Scale 2, in force from 26 Feb 2026)