LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,330
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,642
−HK$2,349/mo
Today · 4.125%
HK$78,991
baseline
▲ 0.50% · 4.625%
HK$83,797
+HK$4,806/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,982/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,691
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,909
−HK$2,250/mo
Today · 4.125%
HK$87,159
baseline
▲ 0.50% · 4.625%
HK$91,753
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,318/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,196
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,970
−HK$2,819/mo
Today · 4.125%
HK$94,789
baseline
▲ 0.50% · 4.625%
HK$100,557
+HK$5,768/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,578/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,229
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,891
−HK$2,699/mo
Today · 4.125%
HK$104,590
baseline
▲ 0.50% · 4.625%
HK$110,103
+HK$5,513/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,180/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,062
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,299
−HK$3,288/mo
Today · 4.125%
HK$110,587
baseline
▲ 0.50% · 4.625%
HK$117,316
+HK$6,729/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,174/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,767
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,872
−HK$3,150/mo
Today · 4.125%
HK$122,022
baseline
▲ 0.50% · 4.625%
HK$128,454
+HK$6,432/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,044/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,793
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$137,955
−HK$4,229/mo
Today · 4.125%
HK$142,184
baseline
▲ 0.50% · 4.625%
HK$150,835
+HK$8,651/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,368/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,844
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,836
−HK$4,049/mo
Today · 4.125%
HK$156,885
baseline
▲ 0.50% · 4.625%
HK$165,155
+HK$8,270/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,770/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,377 · Scale 2, in force from 26 Feb 2026)