LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,233
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,542
−HK$2,346/mo
Today · 4.125%
HK$78,888
baseline
▲ 0.50% · 4.625%
HK$83,688
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,776/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,583
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,798
−HK$2,247/mo
Today · 4.125%
HK$87,045
baseline
▲ 0.50% · 4.625%
HK$91,633
+HK$4,588/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,090/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,079
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,850
−HK$2,815/mo
Today · 4.125%
HK$94,665
baseline
▲ 0.50% · 4.625%
HK$100,425
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,330/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,099
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,757
−HK$2,697/mo
Today · 4.125%
HK$104,454
baseline
▲ 0.50% · 4.625%
HK$109,959
+HK$5,505/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,908/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,926
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,158
−HK$3,285/mo
Today · 4.125%
HK$110,443
baseline
▲ 0.50% · 4.625%
HK$117,163
+HK$6,720/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,886/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,616
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,717
−HK$3,145/mo
Today · 4.125%
HK$121,862
baseline
▲ 0.50% · 4.625%
HK$128,286
+HK$6,424/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,724/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,619
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,775
−HK$4,223/mo
Today · 4.125%
HK$141,998
baseline
▲ 0.50% · 4.625%
HK$150,638
+HK$8,640/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$283,996/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,649
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,636
−HK$4,044/mo
Today · 4.125%
HK$156,680
baseline
▲ 0.50% · 4.625%
HK$164,939
+HK$8,259/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,360/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,565 · Scale 2, in force from 26 Feb 2026)