LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,368
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,682
−HK$2,350/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,841
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,734
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,953
−HK$2,251/mo
Today · 4.125%
HK$87,204
baseline
▲ 0.50% · 4.625%
HK$91,801
+HK$4,597/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,408/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,242
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,018
−HK$2,820/mo
Today · 4.125%
HK$94,838
baseline
▲ 0.50% · 4.625%
HK$100,609
+HK$5,771/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,676/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,281
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,944
−HK$2,701/mo
Today · 4.125%
HK$104,645
baseline
▲ 0.50% · 4.625%
HK$110,161
+HK$5,516/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,290/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,116
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,354
−HK$3,291/mo
Today · 4.125%
HK$110,645
baseline
▲ 0.50% · 4.625%
HK$117,377
+HK$6,732/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,290/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,828
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,934
−HK$3,152/mo
Today · 4.125%
HK$122,086
baseline
▲ 0.50% · 4.625%
HK$128,521
+HK$6,435/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,172/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,863
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,027
−HK$4,231/mo
Today · 4.125%
HK$142,258
baseline
▲ 0.50% · 4.625%
HK$150,914
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,516/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,922
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$152,916
−HK$4,051/mo
Today · 4.125%
HK$156,967
baseline
▲ 0.50% · 4.625%
HK$165,241
+HK$8,274/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,934/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,099 · Scale 2, in force from 26 Feb 2026)