LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,239
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,548
−HK$2,347/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,695
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,590
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,805
−HK$2,247/mo
Today · 4.125%
HK$87,052
baseline
▲ 0.50% · 4.625%
HK$91,641
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,104/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,087
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,858
−HK$2,815/mo
Today · 4.125%
HK$94,673
baseline
▲ 0.50% · 4.625%
HK$100,434
+HK$5,761/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,346/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,108
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,766
−HK$2,697/mo
Today · 4.125%
HK$104,463
baseline
▲ 0.50% · 4.625%
HK$109,969
+HK$5,506/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,926/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,935
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,168
−HK$3,284/mo
Today · 4.125%
HK$110,452
baseline
▲ 0.50% · 4.625%
HK$117,173
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,904/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,626
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,727
−HK$3,146/mo
Today · 4.125%
HK$121,873
baseline
▲ 0.50% · 4.625%
HK$128,297
+HK$6,424/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,746/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,630
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,787
−HK$4,223/mo
Today · 4.125%
HK$142,010
baseline
▲ 0.50% · 4.625%
HK$150,651
+HK$8,641/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,020/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,662
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$152,649
−HK$4,045/mo
Today · 4.125%
HK$156,694
baseline
▲ 0.50% · 4.625%
HK$164,954
+HK$8,260/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,388/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,688 · Scale 2, in force from 26 Feb 2026)