LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,249
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,346/mo
Today · 4.125%
HK$78,905
baseline
▲ 0.50% · 4.625%
HK$83,707
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,810/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,602
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,817
−HK$2,247/mo
Today · 4.125%
HK$87,064
baseline
▲ 0.50% · 4.625%
HK$91,654
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,128/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,099
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,815/mo
Today · 4.125%
HK$94,686
baseline
▲ 0.50% · 4.625%
HK$100,448
+HK$5,762/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$189,372/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,122
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,780
−HK$2,697/mo
Today · 4.125%
HK$104,477
baseline
▲ 0.50% · 4.625%
HK$109,984
+HK$5,507/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$208,954/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,949
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,182
−HK$3,286/mo
Today · 4.125%
HK$110,468
baseline
▲ 0.50% · 4.625%
HK$117,189
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,936/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,642
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,744
−HK$3,146/mo
Today · 4.125%
HK$121,890
baseline
▲ 0.50% · 4.625%
HK$128,315
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,780/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,649
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,806
−HK$4,224/mo
Today · 4.125%
HK$142,030
baseline
▲ 0.50% · 4.625%
HK$150,672
+HK$8,642/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,060/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,683
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,671
−HK$4,045/mo
Today · 4.125%
HK$156,716
baseline
▲ 0.50% · 4.625%
HK$164,976
+HK$8,260/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,432/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,878 · Scale 2, in force from 26 Feb 2026)