LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,284
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,595
−HK$2,347/mo
Today · 4.125%
HK$78,942
baseline
▲ 0.50% · 4.625%
HK$83,746
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,884/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,640
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,857
−HK$2,248/mo
Today · 4.125%
HK$87,105
baseline
▲ 0.50% · 4.625%
HK$91,696
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,210/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,141
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,914
−HK$2,817/mo
Today · 4.125%
HK$94,731
baseline
▲ 0.50% · 4.625%
HK$100,495
+HK$5,764/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,462/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,168
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,828
−HK$2,698/mo
Today · 4.125%
HK$104,526
baseline
▲ 0.50% · 4.625%
HK$110,036
+HK$5,510/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,052/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,998
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,233
−HK$3,286/mo
Today · 4.125%
HK$110,519
baseline
▲ 0.50% · 4.625%
HK$117,244
+HK$6,725/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,038/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,696
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,799
−HK$3,148/mo
Today · 4.125%
HK$121,947
baseline
▲ 0.50% · 4.625%
HK$128,375
+HK$6,428/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,894/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,711
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$137,870
−HK$4,226/mo
Today · 4.125%
HK$142,096
baseline
▲ 0.50% · 4.625%
HK$150,742
+HK$8,646/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,192/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,752
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$152,742
−HK$4,047/mo
Today · 4.125%
HK$156,789
baseline
▲ 0.50% · 4.625%
HK$165,054
+HK$8,265/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,578/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,526 · Scale 2, in force from 26 Feb 2026)