LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,298
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,609
−HK$2,348/mo
Today · 4.125%
HK$78,957
baseline
▲ 0.50% · 4.625%
HK$83,761
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,914/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,655
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,872
−HK$2,249/mo
Today · 4.125%
HK$87,121
baseline
▲ 0.50% · 4.625%
HK$91,713
+HK$4,592/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,242/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,157
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,930
−HK$2,818/mo
Today · 4.125%
HK$94,748
baseline
▲ 0.50% · 4.625%
HK$100,513
+HK$5,765/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,496/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,186
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,846
−HK$2,699/mo
Today · 4.125%
HK$104,545
baseline
▲ 0.50% · 4.625%
HK$110,056
+HK$5,511/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,090/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,017
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,252
−HK$3,287/mo
Today · 4.125%
HK$110,539
baseline
▲ 0.50% · 4.625%
HK$117,265
+HK$6,726/mo
Deposit HK$9.77M · loan HK$22.81M · min. income ≈ HK$221,078/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,717
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,821
−HK$3,148/mo
Today · 4.125%
HK$121,969
baseline
▲ 0.50% · 4.625%
HK$128,398
+HK$6,429/mo
Deposit HK$9.77M · loan HK$22.81M · min. income ≈ HK$243,938/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,736
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,896
−HK$4,226/mo
Today · 4.125%
HK$142,122
baseline
▲ 0.50% · 4.625%
HK$150,770
+HK$8,648/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,244/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,779
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,770
−HK$4,048/mo
Today · 4.125%
HK$156,818
baseline
▲ 0.50% · 4.625%
HK$165,084
+HK$8,266/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,636/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,777 · Scale 2, in force from 26 Feb 2026)