LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,353
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,666
−HK$2,350/mo
Today · 4.125%
HK$79,016
baseline
▲ 0.50% · 4.625%
HK$83,824
+HK$4,808/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,032/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,717
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,936
−HK$2,250/mo
Today · 4.125%
HK$87,186
baseline
▲ 0.50% · 4.625%
HK$91,782
+HK$4,596/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,372/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,224
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,999
−HK$2,820/mo
Today · 4.125%
HK$94,819
baseline
▲ 0.50% · 4.625%
HK$100,589
+HK$5,770/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,638/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,261
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,923
−HK$2,701/mo
Today · 4.125%
HK$104,624
baseline
▲ 0.50% · 4.625%
HK$110,138
+HK$5,514/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,248/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,095
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,333
−HK$3,289/mo
Today · 4.125%
HK$110,622
baseline
▲ 0.50% · 4.625%
HK$117,353
+HK$6,731/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,244/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,804
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,910
−HK$3,151/mo
Today · 4.125%
HK$122,061
baseline
▲ 0.50% · 4.625%
HK$128,495
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,122/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,836
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$137,999
−HK$4,230/mo
Today · 4.125%
HK$142,229
baseline
▲ 0.50% · 4.625%
HK$150,883
+HK$8,654/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,458/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,891
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,884
−HK$4,051/mo
Today · 4.125%
HK$156,935
baseline
▲ 0.50% · 4.625%
HK$165,208
+HK$8,273/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,870/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,816 · Scale 2, in force from 26 Feb 2026)