LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,427
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,742
−HK$2,352/mo
Today · 4.125%
HK$79,094
baseline
▲ 0.50% · 4.625%
HK$83,907
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,188/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,800
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,020
−HK$2,253/mo
Today · 4.125%
HK$87,273
baseline
▲ 0.50% · 4.625%
HK$91,873
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,546/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,313
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,091
−HK$2,822/mo
Today · 4.125%
HK$94,913
baseline
▲ 0.50% · 4.625%
HK$100,689
+HK$5,776/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$189,826/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,359
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,024
−HK$2,703/mo
Today · 4.125%
HK$104,727
baseline
▲ 0.50% · 4.625%
HK$110,248
+HK$5,521/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$209,454/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,198
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,439
−HK$3,293/mo
Today · 4.125%
HK$110,732
baseline
▲ 0.50% · 4.625%
HK$117,470
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,464/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,919
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,028
−HK$3,154/mo
Today · 4.125%
HK$122,182
baseline
▲ 0.50% · 4.625%
HK$128,622
+HK$6,440/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,364/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,969
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,136
−HK$4,234/mo
Today · 4.125%
HK$142,370
baseline
▲ 0.50% · 4.625%
HK$151,033
+HK$8,663/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,740/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,039
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,036
−HK$4,055/mo
Today · 4.125%
HK$157,091
baseline
▲ 0.50% · 4.625%
HK$165,372
+HK$8,281/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,182/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,193 · Scale 2, in force from 26 Feb 2026)