LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,360
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,673
−HK$2,350/mo
Today · 4.125%
HK$79,023
baseline
▲ 0.50% · 4.625%
HK$83,832
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,046/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,725
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,944
−HK$2,250/mo
Today · 4.125%
HK$87,194
baseline
▲ 0.50% · 4.625%
HK$91,790
+HK$4,596/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,388/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,232
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,008
−HK$2,820/mo
Today · 4.125%
HK$94,828
baseline
▲ 0.50% · 4.625%
HK$100,598
+HK$5,770/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$189,656/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,270
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,932
−HK$2,701/mo
Today · 4.125%
HK$104,633
baseline
▲ 0.50% · 4.625%
HK$110,149
+HK$5,516/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$209,266/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,104
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,342
−HK$3,290/mo
Today · 4.125%
HK$110,632
baseline
▲ 0.50% · 4.625%
HK$117,364
+HK$6,732/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,264/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,815
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,921
−HK$3,151/mo
Today · 4.125%
HK$122,072
baseline
▲ 0.50% · 4.625%
HK$128,507
+HK$6,435/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,144/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,848
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$138,012
−HK$4,230/mo
Today · 4.125%
HK$142,242
baseline
▲ 0.50% · 4.625%
HK$150,897
+HK$8,655/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,484/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,905
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$152,898
−HK$4,052/mo
Today · 4.125%
HK$156,950
baseline
▲ 0.50% · 4.625%
HK$165,223
+HK$8,273/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,900/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,944 · Scale 2, in force from 26 Feb 2026)