LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,323
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,635
−HK$2,348/mo
Today · 4.125%
HK$78,983
baseline
▲ 0.50% · 4.625%
HK$83,789
+HK$4,806/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,966/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,683
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,901
−HK$2,249/mo
Today · 4.125%
HK$87,150
baseline
▲ 0.50% · 4.625%
HK$91,744
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,300/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,187
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,962
−HK$2,818/mo
Today · 4.125%
HK$94,780
baseline
▲ 0.50% · 4.625%
HK$100,547
+HK$5,767/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,560/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,220
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,881
−HK$2,700/mo
Today · 4.125%
HK$104,581
baseline
▲ 0.50% · 4.625%
HK$110,093
+HK$5,512/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,162/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,052
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,289
−HK$3,288/mo
Today · 4.125%
HK$110,577
baseline
▲ 0.50% · 4.625%
HK$117,305
+HK$6,728/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,154/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,757
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,861
−HK$3,150/mo
Today · 4.125%
HK$122,011
baseline
▲ 0.50% · 4.625%
HK$128,442
+HK$6,431/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,022/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,781
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,942
−HK$4,228/mo
Today · 4.125%
HK$142,170
baseline
▲ 0.50% · 4.625%
HK$150,821
+HK$8,651/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,340/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,830
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,822
−HK$4,049/mo
Today · 4.125%
HK$156,871
baseline
▲ 0.50% · 4.625%
HK$165,140
+HK$8,269/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,742/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,247 · Scale 2, in force from 26 Feb 2026)