LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,382
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,696
−HK$2,351/mo
Today · 4.125%
HK$79,047
baseline
▲ 0.50% · 4.625%
HK$83,856
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,094/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,749
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,969
−HK$2,251/mo
Today · 4.125%
HK$87,220
baseline
▲ 0.50% · 4.625%
HK$91,818
+HK$4,598/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,440/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,259
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,035
−HK$2,821/mo
Today · 4.125%
HK$94,856
baseline
▲ 0.50% · 4.625%
HK$100,628
+HK$5,772/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,712/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,299
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,963
−HK$2,701/mo
Today · 4.125%
HK$104,664
baseline
▲ 0.50% · 4.625%
HK$110,181
+HK$5,517/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,328/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,135
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,374
−HK$3,291/mo
Today · 4.125%
HK$110,665
baseline
▲ 0.50% · 4.625%
HK$117,399
+HK$6,734/mo
Deposit HK$9.79M · loan HK$22.83M · min. income ≈ HK$221,330/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,849
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,956
−HK$3,152/mo
Today · 4.125%
HK$122,108
baseline
▲ 0.50% · 4.625%
HK$128,545
+HK$6,437/mo
Deposit HK$9.79M · loan HK$22.83M · min. income ≈ HK$244,216/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,888
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$138,053
−HK$4,231/mo
Today · 4.125%
HK$142,284
baseline
▲ 0.50% · 4.625%
HK$150,942
+HK$8,658/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,568/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,949
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$152,944
−HK$4,052/mo
Today · 4.125%
HK$156,996
baseline
▲ 0.50% · 4.625%
HK$165,272
+HK$8,276/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$313,992/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,355 · Scale 2, in force from 26 Feb 2026)