LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,252
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,562
−HK$2,346/mo
Today · 4.125%
HK$78,908
baseline
▲ 0.50% · 4.625%
HK$83,710
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,816/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,605
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,820
−HK$2,248/mo
Today · 4.125%
HK$87,068
baseline
▲ 0.50% · 4.625%
HK$91,657
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,136/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,103
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,874
−HK$2,816/mo
Today · 4.125%
HK$94,690
baseline
▲ 0.50% · 4.625%
HK$100,452
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,380/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,126
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,784
−HK$2,697/mo
Today · 4.125%
HK$104,481
baseline
▲ 0.50% · 4.625%
HK$109,989
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,962/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,953
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,187
−HK$3,285/mo
Today · 4.125%
HK$110,472
baseline
▲ 0.50% · 4.625%
HK$117,194
+HK$6,722/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,944/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,647
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,748
−HK$3,147/mo
Today · 4.125%
HK$121,895
baseline
▲ 0.50% · 4.625%
HK$128,320
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,790/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,654
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,811
−HK$4,224/mo
Today · 4.125%
HK$142,035
baseline
▲ 0.50% · 4.625%
HK$150,678
+HK$8,643/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,070/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,689
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,676
−HK$4,046/mo
Today · 4.125%
HK$156,722
baseline
▲ 0.50% · 4.625%
HK$164,983
+HK$8,261/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,444/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,932 · Scale 2, in force from 26 Feb 2026)