LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,302
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,613
−HK$2,348/mo
Today · 4.125%
HK$78,961
baseline
▲ 0.50% · 4.625%
HK$83,765
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,922/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,660
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,877
−HK$2,249/mo
Today · 4.125%
HK$87,126
baseline
▲ 0.50% · 4.625%
HK$91,718
+HK$4,592/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,252/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,162
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,935
−HK$2,818/mo
Today · 4.125%
HK$94,753
baseline
▲ 0.50% · 4.625%
HK$100,519
+HK$5,766/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,506/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,192
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,852
−HK$2,699/mo
Today · 4.125%
HK$104,551
baseline
▲ 0.50% · 4.625%
HK$110,062
+HK$5,511/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,102/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,022
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,258
−HK$3,287/mo
Today · 4.125%
HK$110,545
baseline
▲ 0.50% · 4.625%
HK$117,272
+HK$6,727/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,090/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,724
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,827
−HK$3,149/mo
Today · 4.125%
HK$121,976
baseline
▲ 0.50% · 4.625%
HK$128,405
+HK$6,429/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,952/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,743
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,903
−HK$4,227/mo
Today · 4.125%
HK$142,130
baseline
▲ 0.50% · 4.625%
HK$150,778
+HK$8,648/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,260/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,787
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,778
−HK$4,048/mo
Today · 4.125%
HK$156,826
baseline
▲ 0.50% · 4.625%
HK$165,092
+HK$8,266/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,652/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,851 · Scale 2, in force from 26 Feb 2026)