LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,406
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,721
−HK$2,351/mo
Today · 4.125%
HK$79,072
baseline
▲ 0.50% · 4.625%
HK$83,884
+HK$4,812/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,144/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,776
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$84,996
−HK$2,253/mo
Today · 4.125%
HK$87,249
baseline
▲ 0.50% · 4.625%
HK$91,848
+HK$4,599/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,498/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,288
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,065
−HK$2,822/mo
Today · 4.125%
HK$94,887
baseline
▲ 0.50% · 4.625%
HK$100,660
+HK$5,773/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,774/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,332
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,996
−HK$2,702/mo
Today · 4.125%
HK$104,698
baseline
▲ 0.50% · 4.625%
HK$110,217
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,396/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,169
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,409
−HK$3,292/mo
Today · 4.125%
HK$110,701
baseline
▲ 0.50% · 4.625%
HK$117,437
+HK$6,736/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,402/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,887
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,995
−HK$3,153/mo
Today · 4.125%
HK$122,148
baseline
▲ 0.50% · 4.625%
HK$128,587
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,296/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,932
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,098
−HK$4,232/mo
Today · 4.125%
HK$142,330
baseline
▲ 0.50% · 4.625%
HK$150,991
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,660/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,998
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,994
−HK$4,053/mo
Today · 4.125%
HK$157,047
baseline
▲ 0.50% · 4.625%
HK$165,326
+HK$8,279/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,094/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,806 · Scale 2, in force from 26 Feb 2026)