LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,391
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,705
−HK$2,351/mo
Today · 4.125%
HK$79,056
baseline
▲ 0.50% · 4.625%
HK$83,867
+HK$4,811/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,112/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,760
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,979
−HK$2,252/mo
Today · 4.125%
HK$87,231
baseline
▲ 0.50% · 4.625%
HK$91,829
+HK$4,598/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,462/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,270
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,046
−HK$2,822/mo
Today · 4.125%
HK$94,868
baseline
▲ 0.50% · 4.625%
HK$100,640
+HK$5,772/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,736/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,311
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,975
−HK$2,702/mo
Today · 4.125%
HK$104,677
baseline
▲ 0.50% · 4.625%
HK$110,195
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,354/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,148
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,387
−HK$3,292/mo
Today · 4.125%
HK$110,679
baseline
▲ 0.50% · 4.625%
HK$117,413
+HK$6,734/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,358/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,863
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,971
−HK$3,152/mo
Today · 4.125%
HK$122,123
baseline
▲ 0.50% · 4.625%
HK$128,560
+HK$6,437/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,246/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,904
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$138,070
−HK$4,231/mo
Today · 4.125%
HK$142,301
baseline
▲ 0.50% · 4.625%
HK$150,960
+HK$8,659/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,602/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,967
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$152,962
−HK$4,053/mo
Today · 4.125%
HK$157,015
baseline
▲ 0.50% · 4.625%
HK$165,292
+HK$8,277/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$314,030/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,524 · Scale 2, in force from 26 Feb 2026)