LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,359
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,672
−HK$2,350/mo
Today · 4.125%
HK$79,022
baseline
▲ 0.50% · 4.625%
HK$83,830
+HK$4,808/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,044/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,723
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,942
−HK$2,251/mo
Today · 4.125%
HK$87,193
baseline
▲ 0.50% · 4.625%
HK$91,789
+HK$4,596/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,386/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,230
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,006
−HK$2,820/mo
Today · 4.125%
HK$94,826
baseline
▲ 0.50% · 4.625%
HK$100,596
+HK$5,770/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$189,652/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,268
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,930
−HK$2,701/mo
Today · 4.125%
HK$104,631
baseline
▲ 0.50% · 4.625%
HK$110,146
+HK$5,515/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$209,262/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,102
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,340
−HK$3,290/mo
Today · 4.125%
HK$110,630
baseline
▲ 0.50% · 4.625%
HK$117,362
+HK$6,732/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,260/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,813
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,919
−HK$3,151/mo
Today · 4.125%
HK$122,070
baseline
▲ 0.50% · 4.625%
HK$128,504
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,140/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,846
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$138,009
−HK$4,230/mo
Today · 4.125%
HK$142,239
baseline
▲ 0.50% · 4.625%
HK$150,894
+HK$8,655/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,478/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,902
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$152,896
−HK$4,051/mo
Today · 4.125%
HK$156,947
baseline
▲ 0.50% · 4.625%
HK$165,220
+HK$8,273/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,894/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,918 · Scale 2, in force from 26 Feb 2026)