LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,389
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,703
−HK$2,351/mo
Today · 4.125%
HK$79,054
baseline
▲ 0.50% · 4.625%
HK$83,864
+HK$4,810/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,108/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,757
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,977
−HK$2,251/mo
Today · 4.125%
HK$87,228
baseline
▲ 0.50% · 4.625%
HK$91,826
+HK$4,598/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,456/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,267
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,821/mo
Today · 4.125%
HK$94,865
baseline
▲ 0.50% · 4.625%
HK$100,637
+HK$5,772/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,730/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,309
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,972
−HK$2,702/mo
Today · 4.125%
HK$104,674
baseline
▲ 0.50% · 4.625%
HK$110,192
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,348/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,145
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,384
−HK$3,292/mo
Today · 4.125%
HK$110,676
baseline
▲ 0.50% · 4.625%
HK$117,410
+HK$6,734/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,352/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,860
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,968
−HK$3,152/mo
Today · 4.125%
HK$122,120
baseline
▲ 0.50% · 4.625%
HK$128,557
+HK$6,437/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,240/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,901
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$138,066
−HK$4,231/mo
Today · 4.125%
HK$142,297
baseline
▲ 0.50% · 4.625%
HK$150,956
+HK$8,659/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,594/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,963
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$152,958
−HK$4,053/mo
Today · 4.125%
HK$157,011
baseline
▲ 0.50% · 4.625%
HK$165,287
+HK$8,276/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$314,022/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,486 · Scale 2, in force from 26 Feb 2026)