LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,348
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,661
−HK$2,349/mo
Today · 4.125%
HK$79,010
baseline
▲ 0.50% · 4.625%
HK$83,818
+HK$4,808/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,020/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,711
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,930
−HK$2,250/mo
Today · 4.125%
HK$87,180
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$4,595/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,360/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,218
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,993
−HK$2,819/mo
Today · 4.125%
HK$94,812
baseline
▲ 0.50% · 4.625%
HK$100,581
+HK$5,769/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,624/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,254
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,916
−HK$2,700/mo
Today · 4.125%
HK$104,616
baseline
▲ 0.50% · 4.625%
HK$110,130
+HK$5,514/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,232/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,087
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,325
−HK$3,289/mo
Today · 4.125%
HK$110,614
baseline
▲ 0.50% · 4.625%
HK$117,345
+HK$6,731/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,228/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,796
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,902
−HK$3,150/mo
Today · 4.125%
HK$122,052
baseline
▲ 0.50% · 4.625%
HK$128,486
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,104/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,826
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,989
−HK$4,229/mo
Today · 4.125%
HK$142,218
baseline
▲ 0.50% · 4.625%
HK$150,872
+HK$8,654/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,436/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,880
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,873
−HK$4,051/mo
Today · 4.125%
HK$156,924
baseline
▲ 0.50% · 4.625%
HK$165,196
+HK$8,272/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,848/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,717 · Scale 2, in force from 26 Feb 2026)