LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,237
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,547
−HK$2,346/mo
Today · 4.125%
HK$78,893
baseline
▲ 0.50% · 4.625%
HK$83,693
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,786/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,588
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,803
−HK$2,247/mo
Today · 4.125%
HK$87,050
baseline
▲ 0.50% · 4.625%
HK$91,639
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,100/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,085
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,856
−HK$2,815/mo
Today · 4.125%
HK$94,671
baseline
▲ 0.50% · 4.625%
HK$100,432
+HK$5,761/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,342/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,106
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,764
−HK$2,696/mo
Today · 4.125%
HK$104,460
baseline
▲ 0.50% · 4.625%
HK$109,967
+HK$5,507/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,920/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,932
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,165
−HK$3,285/mo
Today · 4.125%
HK$110,450
baseline
▲ 0.50% · 4.625%
HK$117,170
+HK$6,720/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,900/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,624
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,725
−HK$3,145/mo
Today · 4.125%
HK$121,870
baseline
▲ 0.50% · 4.625%
HK$128,294
+HK$6,424/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,740/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,627
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,784
−HK$4,223/mo
Today · 4.125%
HK$142,007
baseline
▲ 0.50% · 4.625%
HK$150,648
+HK$8,641/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,014/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,659
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,646
−HK$4,044/mo
Today · 4.125%
HK$156,690
baseline
▲ 0.50% · 4.625%
HK$164,950
+HK$8,260/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,380/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,655 · Scale 2, in force from 26 Feb 2026)