LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,242
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,551
−HK$2,346/mo
Today · 4.125%
HK$78,897
baseline
▲ 0.50% · 4.625%
HK$83,698
+HK$4,801/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,794/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,593
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,808
−HK$2,247/mo
Today · 4.125%
HK$87,055
baseline
▲ 0.50% · 4.625%
HK$91,644
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,110/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,090
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,861
−HK$2,816/mo
Today · 4.125%
HK$94,677
baseline
▲ 0.50% · 4.625%
HK$100,438
+HK$5,761/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$189,354/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,112
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,770
−HK$2,696/mo
Today · 4.125%
HK$104,466
baseline
▲ 0.50% · 4.625%
HK$109,973
+HK$5,507/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$208,932/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,938
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,171
−HK$3,285/mo
Today · 4.125%
HK$110,456
baseline
▲ 0.50% · 4.625%
HK$117,177
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,912/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,630
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,731
−HK$3,146/mo
Today · 4.125%
HK$121,877
baseline
▲ 0.50% · 4.625%
HK$128,302
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,754/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,635
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,792
−HK$4,223/mo
Today · 4.125%
HK$142,015
baseline
▲ 0.50% · 4.625%
HK$150,656
+HK$8,641/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,030/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,667
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,655
−HK$4,045/mo
Today · 4.125%
HK$156,700
baseline
▲ 0.50% · 4.625%
HK$164,959
+HK$8,259/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,400/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,734 · Scale 2, in force from 26 Feb 2026)