LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,398
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,712
−HK$2,351/mo
Today · 4.125%
HK$79,063
baseline
▲ 0.50% · 4.625%
HK$83,874
+HK$4,811/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,126/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,767
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,986
−HK$2,252/mo
Today · 4.125%
HK$87,238
baseline
▲ 0.50% · 4.625%
HK$91,837
+HK$4,599/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,476/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,277
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,054
−HK$2,822/mo
Today · 4.125%
HK$94,876
baseline
▲ 0.50% · 4.625%
HK$100,649
+HK$5,773/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,752/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,320
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,984
−HK$2,702/mo
Today · 4.125%
HK$104,686
baseline
▲ 0.50% · 4.625%
HK$110,204
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,372/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,157
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,397
−HK$3,291/mo
Today · 4.125%
HK$110,688
baseline
▲ 0.50% · 4.625%
HK$117,423
+HK$6,735/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,376/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,873
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,981
−HK$3,152/mo
Today · 4.125%
HK$122,133
baseline
▲ 0.50% · 4.625%
HK$128,571
+HK$6,438/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,266/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,916
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$138,081
−HK$4,232/mo
Today · 4.125%
HK$142,313
baseline
▲ 0.50% · 4.625%
HK$150,973
+HK$8,660/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,626/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,980
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,975
−HK$4,054/mo
Today · 4.125%
HK$157,029
baseline
▲ 0.50% · 4.625%
HK$165,306
+HK$8,277/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$314,058/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,642 · Scale 2, in force from 26 Feb 2026)