LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,228
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,537
−HK$2,346/mo
Today · 4.125%
HK$78,883
baseline
▲ 0.50% · 4.625%
HK$83,683
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,766/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,578
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,793
−HK$2,247/mo
Today · 4.125%
HK$87,040
baseline
▲ 0.50% · 4.625%
HK$91,627
+HK$4,587/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,080/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,074
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,844
−HK$2,815/mo
Today · 4.125%
HK$94,659
baseline
▲ 0.50% · 4.625%
HK$100,419
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,318/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,094
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,751
−HK$2,696/mo
Today · 4.125%
HK$104,447
baseline
▲ 0.50% · 4.625%
HK$109,953
+HK$5,506/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,894/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,919
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,152
−HK$3,284/mo
Today · 4.125%
HK$110,436
baseline
▲ 0.50% · 4.625%
HK$117,156
+HK$6,720/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,872/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,609
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,710
−HK$3,145/mo
Today · 4.125%
HK$121,855
baseline
▲ 0.50% · 4.625%
HK$128,278
+HK$6,423/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,710/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,611
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,767
−HK$4,222/mo
Today · 4.125%
HK$141,989
baseline
▲ 0.50% · 4.625%
HK$150,629
+HK$8,640/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$283,978/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,641
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,627
−HK$4,044/mo
Today · 4.125%
HK$156,671
baseline
▲ 0.50% · 4.625%
HK$164,929
+HK$8,258/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,342/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,484 · Scale 2, in force from 26 Feb 2026)