LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,310
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,622
−HK$2,348/mo
Today · 4.125%
HK$78,970
baseline
▲ 0.50% · 4.625%
HK$83,775
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,940/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,669
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,886
−HK$2,250/mo
Today · 4.125%
HK$87,136
baseline
▲ 0.50% · 4.625%
HK$91,729
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,272/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,172
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,946
−HK$2,818/mo
Today · 4.125%
HK$94,764
baseline
▲ 0.50% · 4.625%
HK$100,530
+HK$5,766/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$189,528/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,203
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,864
−HK$2,699/mo
Today · 4.125%
HK$104,563
baseline
▲ 0.50% · 4.625%
HK$110,074
+HK$5,511/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$209,126/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,034
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,270
−HK$3,288/mo
Today · 4.125%
HK$110,558
baseline
▲ 0.50% · 4.625%
HK$117,285
+HK$6,727/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,116/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,737
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,841
−HK$3,149/mo
Today · 4.125%
HK$121,990
baseline
▲ 0.50% · 4.625%
HK$128,420
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,980/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,758
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$137,919
−HK$4,227/mo
Today · 4.125%
HK$142,146
baseline
▲ 0.50% · 4.625%
HK$150,795
+HK$8,649/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,292/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,805
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,796
−HK$4,048/mo
Today · 4.125%
HK$156,844
baseline
▲ 0.50% · 4.625%
HK$165,112
+HK$8,268/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,688/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,012 · Scale 2, in force from 26 Feb 2026)