LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,371
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,350/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,844
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,737
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,956
−HK$2,251/mo
Today · 4.125%
HK$87,207
baseline
▲ 0.50% · 4.625%
HK$91,804
+HK$4,597/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,414/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,245
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,021
−HK$2,821/mo
Today · 4.125%
HK$94,842
baseline
▲ 0.50% · 4.625%
HK$100,613
+HK$5,771/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,684/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,285
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,947
−HK$2,702/mo
Today · 4.125%
HK$104,649
baseline
▲ 0.50% · 4.625%
HK$110,165
+HK$5,516/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,298/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,120
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,358
−HK$3,291/mo
Today · 4.125%
HK$110,649
baseline
▲ 0.50% · 4.625%
HK$117,382
+HK$6,733/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,298/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,832
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,939
−HK$3,151/mo
Today · 4.125%
HK$122,090
baseline
▲ 0.50% · 4.625%
HK$128,526
+HK$6,436/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,180/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,868
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,032
−HK$4,231/mo
Today · 4.125%
HK$142,263
baseline
▲ 0.50% · 4.625%
HK$150,919
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,526/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,927
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,921
−HK$4,052/mo
Today · 4.125%
HK$156,973
baseline
▲ 0.50% · 4.625%
HK$165,247
+HK$8,274/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,946/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,150 · Scale 2, in force from 26 Feb 2026)