LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,261
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,571
−HK$2,347/mo
Today · 4.125%
HK$78,918
baseline
▲ 0.50% · 4.625%
HK$83,720
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,836/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,615
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,831
−HK$2,248/mo
Today · 4.125%
HK$87,079
baseline
▲ 0.50% · 4.625%
HK$91,669
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,158/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,114
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,886
−HK$2,816/mo
Today · 4.125%
HK$94,702
baseline
▲ 0.50% · 4.625%
HK$100,464
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,404/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,138
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,797
−HK$2,697/mo
Today · 4.125%
HK$104,494
baseline
▲ 0.50% · 4.625%
HK$110,002
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,988/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,966
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,200
−HK$3,286/mo
Today · 4.125%
HK$110,486
baseline
▲ 0.50% · 4.625%
HK$117,208
+HK$6,722/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,972/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,661
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,763
−HK$3,147/mo
Today · 4.125%
HK$121,910
baseline
▲ 0.50% · 4.625%
HK$128,336
+HK$6,426/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,820/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,671
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,828
−HK$4,225/mo
Today · 4.125%
HK$142,053
baseline
▲ 0.50% · 4.625%
HK$150,696
+HK$8,643/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,106/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,707
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,695
−HK$4,046/mo
Today · 4.125%
HK$156,741
baseline
▲ 0.50% · 4.625%
HK$165,003
+HK$8,262/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,482/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,104 · Scale 2, in force from 26 Feb 2026)