LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,229
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,538
−HK$2,346/mo
Today · 4.125%
HK$78,884
baseline
▲ 0.50% · 4.625%
HK$83,684
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,768/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,579
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,794
−HK$2,247/mo
Today · 4.125%
HK$87,041
baseline
▲ 0.50% · 4.625%
HK$91,629
+HK$4,588/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,082/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,075
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,846
−HK$2,815/mo
Today · 4.125%
HK$94,661
baseline
▲ 0.50% · 4.625%
HK$100,421
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,322/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,095
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,753
−HK$2,696/mo
Today · 4.125%
HK$104,449
baseline
▲ 0.50% · 4.625%
HK$109,955
+HK$5,506/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,898/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,921
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,154
−HK$3,284/mo
Today · 4.125%
HK$110,438
baseline
▲ 0.50% · 4.625%
HK$117,158
+HK$6,720/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,876/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,611
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,712
−HK$3,145/mo
Today · 4.125%
HK$121,857
baseline
▲ 0.50% · 4.625%
HK$128,280
+HK$6,423/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,714/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,613
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,769
−HK$4,222/mo
Today · 4.125%
HK$141,991
baseline
▲ 0.50% · 4.625%
HK$150,631
+HK$8,640/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$283,982/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,643
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,629
−HK$4,045/mo
Today · 4.125%
HK$156,674
baseline
▲ 0.50% · 4.625%
HK$164,932
+HK$8,258/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,348/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,505 · Scale 2, in force from 26 Feb 2026)