LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,327
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,639
−HK$2,349/mo
Today · 4.125%
HK$78,988
baseline
▲ 0.50% · 4.625%
HK$83,794
+HK$4,806/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,976/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,688
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,906
−HK$2,250/mo
Today · 4.125%
HK$87,156
baseline
▲ 0.50% · 4.625%
HK$91,750
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,312/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,193
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,967
−HK$2,819/mo
Today · 4.125%
HK$94,786
baseline
▲ 0.50% · 4.625%
HK$100,553
+HK$5,767/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,572/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,226
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,887
−HK$2,700/mo
Today · 4.125%
HK$104,587
baseline
▲ 0.50% · 4.625%
HK$110,100
+HK$5,513/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,174/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,058
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,295
−HK$3,288/mo
Today · 4.125%
HK$110,583
baseline
▲ 0.50% · 4.625%
HK$117,312
+HK$6,729/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,166/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,764
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,868
−HK$3,150/mo
Today · 4.125%
HK$122,018
baseline
▲ 0.50% · 4.625%
HK$128,450
+HK$6,432/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,036/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,789
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,951
−HK$4,228/mo
Today · 4.125%
HK$142,179
baseline
▲ 0.50% · 4.625%
HK$150,830
+HK$8,651/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,358/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,839
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,831
−HK$4,049/mo
Today · 4.125%
HK$156,880
baseline
▲ 0.50% · 4.625%
HK$165,150
+HK$8,270/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,760/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,330 · Scale 2, in force from 26 Feb 2026)