LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,332
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,644
−HK$2,349/mo
Today · 4.125%
HK$78,993
baseline
▲ 0.50% · 4.625%
HK$83,799
+HK$4,806/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,986/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,693
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,911
−HK$2,250/mo
Today · 4.125%
HK$87,161
baseline
▲ 0.50% · 4.625%
HK$91,755
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,322/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,198
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,972
−HK$2,819/mo
Today · 4.125%
HK$94,791
baseline
▲ 0.50% · 4.625%
HK$100,559
+HK$5,768/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,582/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,232
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,893
−HK$2,700/mo
Today · 4.125%
HK$104,593
baseline
▲ 0.50% · 4.625%
HK$110,106
+HK$5,513/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,186/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,064
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,301
−HK$3,289/mo
Today · 4.125%
HK$110,590
baseline
▲ 0.50% · 4.625%
HK$117,319
+HK$6,729/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,180/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,770
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,875
−HK$3,150/mo
Today · 4.125%
HK$122,025
baseline
▲ 0.50% · 4.625%
HK$128,457
+HK$6,432/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,050/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,797
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,959
−HK$4,228/mo
Today · 4.125%
HK$142,187
baseline
▲ 0.50% · 4.625%
HK$150,839
+HK$8,652/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,374/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,848
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,840
−HK$4,049/mo
Today · 4.125%
HK$156,889
baseline
▲ 0.50% · 4.625%
HK$165,159
+HK$8,270/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,778/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,411 · Scale 2, in force from 26 Feb 2026)