LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,265
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,575
−HK$2,347/mo
Today · 4.125%
HK$78,922
baseline
▲ 0.50% · 4.625%
HK$83,725
+HK$4,803/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,844/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,619
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,835
−HK$2,248/mo
Today · 4.125%
HK$87,083
baseline
▲ 0.50% · 4.625%
HK$91,673
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,166/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,118
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,890
−HK$2,817/mo
Today · 4.125%
HK$94,707
baseline
▲ 0.50% · 4.625%
HK$100,469
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,414/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,143
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,802
−HK$2,698/mo
Today · 4.125%
HK$104,500
baseline
▲ 0.50% · 4.625%
HK$110,008
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$209,000/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,971
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,205
−HK$3,286/mo
Today · 4.125%
HK$110,491
baseline
▲ 0.50% · 4.625%
HK$117,214
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,982/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,667
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,769
−HK$3,147/mo
Today · 4.125%
HK$121,916
baseline
▲ 0.50% · 4.625%
HK$128,342
+HK$6,426/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,832/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,677
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$137,835
−HK$4,225/mo
Today · 4.125%
HK$142,060
baseline
▲ 0.50% · 4.625%
HK$150,704
+HK$8,644/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,120/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,715
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,703
−HK$4,046/mo
Today · 4.125%
HK$156,749
baseline
▲ 0.50% · 4.625%
HK$165,012
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,498/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,174 · Scale 2, in force from 26 Feb 2026)