LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,285
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,595
−HK$2,348/mo
Today · 4.125%
HK$78,943
baseline
▲ 0.50% · 4.625%
HK$83,746
+HK$4,803/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,886/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,641
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,857
−HK$2,249/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$91,697
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,142
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,914
−HK$2,817/mo
Today · 4.125%
HK$94,731
baseline
▲ 0.50% · 4.625%
HK$100,496
+HK$5,765/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$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,169
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,829
−HK$2,698/mo
Today · 4.125%
HK$104,527
baseline
▲ 0.50% · 4.625%
HK$110,037
+HK$5,510/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,054/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,998
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,233
−HK$3,287/mo
Today · 4.125%
HK$110,520
baseline
▲ 0.50% · 4.625%
HK$117,245
+HK$6,725/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,040/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,697
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,800
−HK$3,148/mo
Today · 4.125%
HK$121,948
baseline
▲ 0.50% · 4.625%
HK$128,376
+HK$6,428/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,896/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,712
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$137,871
−HK$4,226/mo
Today · 4.125%
HK$142,097
baseline
▲ 0.50% · 4.625%
HK$150,744
+HK$8,647/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,194/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,754
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,743
−HK$4,047/mo
Today · 4.125%
HK$156,790
baseline
▲ 0.50% · 4.625%
HK$165,055
+HK$8,265/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,580/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,536 · Scale 2, in force from 26 Feb 2026)