LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,414
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,729
−HK$2,352/mo
Today · 4.125%
HK$79,081
baseline
▲ 0.50% · 4.625%
HK$83,893
+HK$4,812/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,162/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,785
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,006
−HK$2,252/mo
Today · 4.125%
HK$87,258
baseline
▲ 0.50% · 4.625%
HK$91,857
+HK$4,599/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,516/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,297
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,075
−HK$2,822/mo
Today · 4.125%
HK$94,897
baseline
▲ 0.50% · 4.625%
HK$100,671
+HK$5,774/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,794/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,342
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,007
−HK$2,703/mo
Today · 4.125%
HK$104,710
baseline
▲ 0.50% · 4.625%
HK$110,229
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,420/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,180
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,421
−HK$3,292/mo
Today · 4.125%
HK$110,713
baseline
▲ 0.50% · 4.625%
HK$117,450
+HK$6,737/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,426/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,899
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,008
−HK$3,153/mo
Today · 4.125%
HK$122,161
baseline
▲ 0.50% · 4.625%
HK$128,600
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,322/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,946
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$138,112
−HK$4,234/mo
Today · 4.125%
HK$142,346
baseline
▲ 0.50% · 4.625%
HK$151,007
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,692/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,014
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$153,010
−HK$4,054/mo
Today · 4.125%
HK$157,064
baseline
▲ 0.50% · 4.625%
HK$165,343
+HK$8,279/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,128/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,955 · Scale 2, in force from 26 Feb 2026)