LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,402
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,716
−HK$2,351/mo
Today · 4.125%
HK$79,067
baseline
▲ 0.50% · 4.625%
HK$83,878
+HK$4,811/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,134/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,771
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,991
−HK$2,252/mo
Today · 4.125%
HK$87,243
baseline
▲ 0.50% · 4.625%
HK$91,842
+HK$4,599/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,486/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,282
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,059
−HK$2,822/mo
Today · 4.125%
HK$94,881
baseline
▲ 0.50% · 4.625%
HK$100,654
+HK$5,773/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,762/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,325
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,989
−HK$2,703/mo
Today · 4.125%
HK$104,692
baseline
▲ 0.50% · 4.625%
HK$110,210
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,384/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,162
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,402
−HK$3,292/mo
Today · 4.125%
HK$110,694
baseline
▲ 0.50% · 4.625%
HK$117,430
+HK$6,736/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,388/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,880
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,987
−HK$3,153/mo
Today · 4.125%
HK$122,140
baseline
▲ 0.50% · 4.625%
HK$128,578
+HK$6,438/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,280/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,923
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,089
−HK$4,232/mo
Today · 4.125%
HK$142,321
baseline
▲ 0.50% · 4.625%
HK$150,981
+HK$8,660/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,642/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,988
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,984
−HK$4,053/mo
Today · 4.125%
HK$157,037
baseline
▲ 0.50% · 4.625%
HK$165,315
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,074/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,719 · Scale 2, in force from 26 Feb 2026)