LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,223
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,532
−HK$2,346/mo
Today · 4.125%
HK$78,878
baseline
▲ 0.50% · 4.625%
HK$83,677
+HK$4,799/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,756/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,573
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,787
−HK$2,247/mo
Today · 4.125%
HK$87,034
baseline
▲ 0.50% · 4.625%
HK$91,622
+HK$4,588/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,068/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,068
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,839
−HK$2,814/mo
Today · 4.125%
HK$94,653
baseline
▲ 0.50% · 4.625%
HK$100,413
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,306/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,087
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,745
−HK$2,696/mo
Today · 4.125%
HK$104,441
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$5,505/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,882/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,913
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,145
−HK$3,284/mo
Today · 4.125%
HK$110,429
baseline
▲ 0.50% · 4.625%
HK$117,148
+HK$6,719/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,858/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,602
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,702
−HK$3,145/mo
Today · 4.125%
HK$121,847
baseline
▲ 0.50% · 4.625%
HK$128,270
+HK$6,423/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,694/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,602
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,758
−HK$4,222/mo
Today · 4.125%
HK$141,980
baseline
▲ 0.50% · 4.625%
HK$150,619
+HK$8,639/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$283,960/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,631
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,617
−HK$4,044/mo
Today · 4.125%
HK$156,661
baseline
▲ 0.50% · 4.625%
HK$164,919
+HK$8,258/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,322/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,394 · Scale 2, in force from 26 Feb 2026)