LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,350
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,663
−HK$2,350/mo
Today · 4.125%
HK$79,013
baseline
▲ 0.50% · 4.625%
HK$83,821
+HK$4,808/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,026/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,714
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,932
−HK$2,251/mo
Today · 4.125%
HK$87,183
baseline
▲ 0.50% · 4.625%
HK$91,778
+HK$4,595/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,366/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,221
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,996
−HK$2,819/mo
Today · 4.125%
HK$94,815
baseline
▲ 0.50% · 4.625%
HK$100,585
+HK$5,770/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,630/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,257
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,919
−HK$2,700/mo
Today · 4.125%
HK$104,619
baseline
▲ 0.50% · 4.625%
HK$110,134
+HK$5,515/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,238/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,091
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,328
−HK$3,290/mo
Today · 4.125%
HK$110,618
baseline
▲ 0.50% · 4.625%
HK$117,349
+HK$6,731/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,236/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,800
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,905
−HK$3,151/mo
Today · 4.125%
HK$122,056
baseline
▲ 0.50% · 4.625%
HK$128,490
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,112/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,831
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,994
−HK$4,229/mo
Today · 4.125%
HK$142,223
baseline
▲ 0.50% · 4.625%
HK$150,877
+HK$8,654/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,446/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,885
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,878
−HK$4,051/mo
Today · 4.125%
HK$156,929
baseline
▲ 0.50% · 4.625%
HK$165,201
+HK$8,272/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,858/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,763 · Scale 2, in force from 26 Feb 2026)