LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,256
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,566
−HK$2,347/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,801/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,609
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,825
−HK$2,247/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$91,662
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,107
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,879
−HK$2,816/mo
Today · 4.125%
HK$94,695
baseline
▲ 0.50% · 4.625%
HK$100,457
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,390/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,131
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,790
−HK$2,697/mo
Today · 4.125%
HK$104,487
baseline
▲ 0.50% · 4.625%
HK$109,994
+HK$5,507/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,974/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,959
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,192
−HK$3,286/mo
Today · 4.125%
HK$110,478
baseline
▲ 0.50% · 4.625%
HK$117,200
+HK$6,722/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,956/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,653
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,755
−HK$3,146/mo
Today · 4.125%
HK$121,901
baseline
▲ 0.50% · 4.625%
HK$128,327
+HK$6,426/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,802/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,661
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,819
−HK$4,224/mo
Today · 4.125%
HK$142,043
baseline
▲ 0.50% · 4.625%
HK$150,686
+HK$8,643/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,086/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,697
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,685
−HK$4,045/mo
Today · 4.125%
HK$156,730
baseline
▲ 0.50% · 4.625%
HK$164,992
+HK$8,262/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,460/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,005 · Scale 2, in force from 26 Feb 2026)