LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,270
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,580
−HK$2,348/mo
Today · 4.125%
HK$78,928
baseline
▲ 0.50% · 4.625%
HK$83,730
+HK$4,802/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,856/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,625
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,841
−HK$2,248/mo
Today · 4.125%
HK$87,089
baseline
▲ 0.50% · 4.625%
HK$91,679
+HK$4,590/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,178/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,124
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,897
−HK$2,816/mo
Today · 4.125%
HK$94,713
baseline
▲ 0.50% · 4.625%
HK$100,476
+HK$5,763/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,426/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,150
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,809
−HK$2,698/mo
Today · 4.125%
HK$104,507
baseline
▲ 0.50% · 4.625%
HK$110,015
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$209,014/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,978
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,213
−HK$3,286/mo
Today · 4.125%
HK$110,499
baseline
▲ 0.50% · 4.625%
HK$117,222
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,998/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,675
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,777
−HK$3,147/mo
Today · 4.125%
HK$121,924
baseline
▲ 0.50% · 4.625%
HK$128,351
+HK$6,427/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,848/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,686
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,845
−HK$4,225/mo
Today · 4.125%
HK$142,070
baseline
▲ 0.50% · 4.625%
HK$150,714
+HK$8,644/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,140/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,725
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$152,713
−HK$4,047/mo
Today · 4.125%
HK$156,760
baseline
▲ 0.50% · 4.625%
HK$165,023
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,520/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,268 · Scale 2, in force from 26 Feb 2026)