LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,413
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,728
−HK$2,351/mo
Today · 4.125%
HK$79,079
baseline
▲ 0.50% · 4.625%
HK$83,891
+HK$4,812/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,158/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,784
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$85,004
−HK$2,252/mo
Today · 4.125%
HK$87,256
baseline
▲ 0.50% · 4.625%
HK$91,856
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,512/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,296
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,073
−HK$2,822/mo
Today · 4.125%
HK$94,895
baseline
▲ 0.50% · 4.625%
HK$100,670
+HK$5,775/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,790/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,341
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,005
−HK$2,703/mo
Today · 4.125%
HK$104,708
baseline
▲ 0.50% · 4.625%
HK$110,227
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,416/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,178
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,419
−HK$3,292/mo
Today · 4.125%
HK$110,711
baseline
▲ 0.50% · 4.625%
HK$117,448
+HK$6,737/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,422/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,897
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,006
−HK$3,153/mo
Today · 4.125%
HK$122,159
baseline
▲ 0.50% · 4.625%
HK$128,598
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,318/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,944
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,110
−HK$4,233/mo
Today · 4.125%
HK$142,343
baseline
▲ 0.50% · 4.625%
HK$151,004
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,686/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,011
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$153,007
−HK$4,055/mo
Today · 4.125%
HK$157,062
baseline
▲ 0.50% · 4.625%
HK$165,340
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,124/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,931 · Scale 2, in force from 26 Feb 2026)