LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,282
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,593
−HK$2,347/mo
Today · 4.125%
HK$78,940
baseline
▲ 0.50% · 4.625%
HK$83,744
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,880/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,638
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,854
−HK$2,249/mo
Today · 4.125%
HK$87,103
baseline
▲ 0.50% · 4.625%
HK$91,694
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,206/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,139
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,911
−HK$2,817/mo
Today · 4.125%
HK$94,728
baseline
▲ 0.50% · 4.625%
HK$100,492
+HK$5,764/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,456/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,166
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,825
−HK$2,698/mo
Today · 4.125%
HK$104,523
baseline
▲ 0.50% · 4.625%
HK$110,033
+HK$5,510/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,046/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,995
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,230
−HK$3,286/mo
Today · 4.125%
HK$110,516
baseline
▲ 0.50% · 4.625%
HK$117,241
+HK$6,725/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,032/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,693
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,796
−HK$3,148/mo
Today · 4.125%
HK$121,944
baseline
▲ 0.50% · 4.625%
HK$128,372
+HK$6,428/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,888/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,708
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$137,867
−HK$4,226/mo
Today · 4.125%
HK$142,093
baseline
▲ 0.50% · 4.625%
HK$150,739
+HK$8,646/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,186/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,749
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,738
−HK$4,047/mo
Today · 4.125%
HK$156,785
baseline
▲ 0.50% · 4.625%
HK$165,049
+HK$8,264/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,570/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,490 · Scale 2, in force from 26 Feb 2026)