LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,315
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,348/mo
Today · 4.125%
HK$78,975
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,806/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,950/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,675
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,892
−HK$2,249/mo
Today · 4.125%
HK$87,141
baseline
▲ 0.50% · 4.625%
HK$91,735
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,282/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,178
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,952
−HK$2,818/mo
Today · 4.125%
HK$94,770
baseline
▲ 0.50% · 4.625%
HK$100,537
+HK$5,767/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$189,540/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,210
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,870
−HK$2,700/mo
Today · 4.125%
HK$104,570
baseline
▲ 0.50% · 4.625%
HK$110,082
+HK$5,512/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$209,140/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,041
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,277
−HK$3,288/mo
Today · 4.125%
HK$110,565
baseline
▲ 0.50% · 4.625%
HK$117,293
+HK$6,728/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,130/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,745
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,849
−HK$3,149/mo
Today · 4.125%
HK$121,998
baseline
▲ 0.50% · 4.625%
HK$128,429
+HK$6,431/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,996/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,767
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$137,928
−HK$4,227/mo
Today · 4.125%
HK$142,155
baseline
▲ 0.50% · 4.625%
HK$150,805
+HK$8,650/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,310/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,814
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,805
−HK$4,049/mo
Today · 4.125%
HK$156,854
baseline
▲ 0.50% · 4.625%
HK$165,122
+HK$8,268/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,708/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,102 · Scale 2, in force from 26 Feb 2026)