LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,412
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,726
−HK$2,352/mo
Today · 4.125%
HK$79,078
baseline
▲ 0.50% · 4.625%
HK$83,890
+HK$4,812/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,156/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,782
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,002
−HK$2,253/mo
Today · 4.125%
HK$87,255
baseline
▲ 0.50% · 4.625%
HK$91,854
+HK$4,599/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,510/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,294
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,072
−HK$2,822/mo
Today · 4.125%
HK$94,894
baseline
▲ 0.50% · 4.625%
HK$100,668
+HK$5,774/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,788/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,339
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,003
−HK$2,703/mo
Today · 4.125%
HK$104,706
baseline
▲ 0.50% · 4.625%
HK$110,225
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,412/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,176
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,417
−HK$3,292/mo
Today · 4.125%
HK$110,709
baseline
▲ 0.50% · 4.625%
HK$117,446
+HK$6,737/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,418/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,895
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,003
−HK$3,154/mo
Today · 4.125%
HK$122,157
baseline
▲ 0.50% · 4.625%
HK$128,596
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,314/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,941
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,107
−HK$4,233/mo
Today · 4.125%
HK$142,340
baseline
▲ 0.50% · 4.625%
HK$151,001
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,680/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,008
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$153,004
−HK$4,054/mo
Today · 4.125%
HK$157,058
baseline
▲ 0.50% · 4.625%
HK$165,337
+HK$8,279/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,116/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,904 · Scale 2, in force from 26 Feb 2026)