LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,276
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,587
−HK$2,347/mo
Today · 4.125%
HK$78,934
baseline
▲ 0.50% · 4.625%
HK$83,737
+HK$4,803/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,868/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,632
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,848
−HK$2,248/mo
Today · 4.125%
HK$87,096
baseline
▲ 0.50% · 4.625%
HK$91,687
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,192/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,131
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,904
−HK$2,817/mo
Today · 4.125%
HK$94,721
baseline
▲ 0.50% · 4.625%
HK$100,484
+HK$5,763/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,442/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,158
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,817
−HK$2,698/mo
Today · 4.125%
HK$104,515
baseline
▲ 0.50% · 4.625%
HK$110,024
+HK$5,509/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$209,030/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,987
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,221
−HK$3,287/mo
Today · 4.125%
HK$110,508
baseline
▲ 0.50% · 4.625%
HK$117,232
+HK$6,724/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,016/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,684
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,787
−HK$3,147/mo
Today · 4.125%
HK$121,934
baseline
▲ 0.50% · 4.625%
HK$128,362
+HK$6,428/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,868/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,697
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,856
−HK$4,225/mo
Today · 4.125%
HK$142,081
baseline
▲ 0.50% · 4.625%
HK$150,726
+HK$8,645/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,162/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,737
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,726
−HK$4,047/mo
Today · 4.125%
HK$156,773
baseline
▲ 0.50% · 4.625%
HK$165,036
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,546/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,379 · Scale 2, in force from 26 Feb 2026)