LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,261
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,570
−HK$2,347/mo
Today · 4.125%
HK$78,917
baseline
▲ 0.50% · 4.625%
HK$83,719
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,834/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,614
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,830
−HK$2,248/mo
Today · 4.125%
HK$87,078
baseline
▲ 0.50% · 4.625%
HK$91,667
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,156/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,113
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,885
−HK$2,816/mo
Today · 4.125%
HK$94,701
baseline
▲ 0.50% · 4.625%
HK$100,463
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,402/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,137
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,796
−HK$2,697/mo
Today · 4.125%
HK$104,493
baseline
▲ 0.50% · 4.625%
HK$110,001
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,986/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,965
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,199
−HK$3,285/mo
Today · 4.125%
HK$110,484
baseline
▲ 0.50% · 4.625%
HK$117,207
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,968/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,660
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,762
−HK$3,147/mo
Today · 4.125%
HK$121,909
baseline
▲ 0.50% · 4.625%
HK$128,334
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,818/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,669
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,827
−HK$4,224/mo
Today · 4.125%
HK$142,051
baseline
▲ 0.50% · 4.625%
HK$150,695
+HK$8,644/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,102/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,705
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$152,694
−HK$4,046/mo
Today · 4.125%
HK$156,740
baseline
▲ 0.50% · 4.625%
HK$165,001
+HK$8,261/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,480/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,088 · Scale 2, in force from 26 Feb 2026)