LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,408
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,723
−HK$2,352/mo
Today · 4.125%
HK$79,075
baseline
▲ 0.50% · 4.625%
HK$83,886
+HK$4,811/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,150/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,779
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,999
−HK$2,252/mo
Today · 4.125%
HK$87,251
baseline
▲ 0.50% · 4.625%
HK$91,850
+HK$4,599/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,502/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,290
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,068
−HK$2,821/mo
Today · 4.125%
HK$94,889
baseline
▲ 0.50% · 4.625%
HK$100,663
+HK$5,774/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,778/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,334
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,998
−HK$2,703/mo
Today · 4.125%
HK$104,701
baseline
▲ 0.50% · 4.625%
HK$110,220
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,402/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,172
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,412
−HK$3,292/mo
Today · 4.125%
HK$110,704
baseline
▲ 0.50% · 4.625%
HK$117,440
+HK$6,736/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,408/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,890
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,998
−HK$3,153/mo
Today · 4.125%
HK$122,151
baseline
▲ 0.50% · 4.625%
HK$128,590
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,302/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,935
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,101
−HK$4,233/mo
Today · 4.125%
HK$142,334
baseline
▲ 0.50% · 4.625%
HK$150,995
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,668/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,002
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$152,998
−HK$4,054/mo
Today · 4.125%
HK$157,052
baseline
▲ 0.50% · 4.625%
HK$165,330
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,104/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,844 · Scale 2, in force from 26 Feb 2026)