LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,299
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,611
−HK$2,348/mo
Today · 4.125%
HK$78,959
baseline
▲ 0.50% · 4.625%
HK$83,763
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,918/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,657
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,874
−HK$2,249/mo
Today · 4.125%
HK$87,123
baseline
▲ 0.50% · 4.625%
HK$91,716
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,246/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,159
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,933
−HK$2,817/mo
Today · 4.125%
HK$94,750
baseline
▲ 0.50% · 4.625%
HK$100,516
+HK$5,766/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,500/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,189
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,849
−HK$2,699/mo
Today · 4.125%
HK$104,548
baseline
▲ 0.50% · 4.625%
HK$110,059
+HK$5,511/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,096/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,019
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,255
−HK$3,287/mo
Today · 4.125%
HK$110,542
baseline
▲ 0.50% · 4.625%
HK$117,268
+HK$6,726/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,084/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,720
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,824
−HK$3,148/mo
Today · 4.125%
HK$121,972
baseline
▲ 0.50% · 4.625%
HK$128,402
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,944/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,739
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,899
−HK$4,227/mo
Today · 4.125%
HK$142,126
baseline
▲ 0.50% · 4.625%
HK$150,774
+HK$8,648/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,252/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,783
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,774
−HK$4,048/mo
Today · 4.125%
HK$156,822
baseline
▲ 0.50% · 4.625%
HK$165,088
+HK$8,266/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,644/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,813 · Scale 2, in force from 26 Feb 2026)