LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,273
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,583
−HK$2,348/mo
Today · 4.125%
HK$78,931
baseline
▲ 0.50% · 4.625%
HK$83,733
+HK$4,802/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,862/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,628
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,844
−HK$2,248/mo
Today · 4.125%
HK$87,092
baseline
▲ 0.50% · 4.625%
HK$91,683
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,184/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,128
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,900
−HK$2,817/mo
Today · 4.125%
HK$94,717
baseline
▲ 0.50% · 4.625%
HK$100,480
+HK$5,763/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,434/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,154
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,813
−HK$2,697/mo
Today · 4.125%
HK$104,510
baseline
▲ 0.50% · 4.625%
HK$110,019
+HK$5,509/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$209,020/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,982
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,217
−HK$3,286/mo
Today · 4.125%
HK$110,503
baseline
▲ 0.50% · 4.625%
HK$117,227
+HK$6,724/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,006/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,679
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,782
−HK$3,147/mo
Today · 4.125%
HK$121,929
baseline
▲ 0.50% · 4.625%
HK$128,356
+HK$6,427/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,858/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,691
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,850
−HK$4,225/mo
Today · 4.125%
HK$142,075
baseline
▲ 0.50% · 4.625%
HK$150,720
+HK$8,645/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,150/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,730
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,719
−HK$4,047/mo
Today · 4.125%
HK$156,766
baseline
▲ 0.50% · 4.625%
HK$165,029
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,532/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,319 · Scale 2, in force from 26 Feb 2026)