LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,234
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,544
−HK$2,346/mo
Today · 4.125%
HK$78,890
baseline
▲ 0.50% · 4.625%
HK$83,690
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,780/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,585
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,800
−HK$2,247/mo
Today · 4.125%
HK$87,047
baseline
▲ 0.50% · 4.625%
HK$91,635
+HK$4,588/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,094/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,081
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,852
−HK$2,816/mo
Today · 4.125%
HK$94,668
baseline
▲ 0.50% · 4.625%
HK$100,428
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,336/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,102
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,760
−HK$2,696/mo
Today · 4.125%
HK$104,456
baseline
▲ 0.50% · 4.625%
HK$109,962
+HK$5,506/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,912/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,928
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,161
−HK$3,284/mo
Today · 4.125%
HK$110,445
baseline
▲ 0.50% · 4.625%
HK$117,166
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,890/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,619
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,720
−HK$3,146/mo
Today · 4.125%
HK$121,866
baseline
▲ 0.50% · 4.625%
HK$128,289
+HK$6,423/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,732/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,622
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,778
−HK$4,223/mo
Today · 4.125%
HK$142,001
baseline
▲ 0.50% · 4.625%
HK$150,642
+HK$8,641/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,002/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,653
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,640
−HK$4,044/mo
Today · 4.125%
HK$156,684
baseline
▲ 0.50% · 4.625%
HK$164,944
+HK$8,260/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,368/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,602 · Scale 2, in force from 26 Feb 2026)