LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,432
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,352/mo
Today · 4.125%
HK$79,100
baseline
▲ 0.50% · 4.625%
HK$83,913
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,200/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,805
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,026
−HK$2,253/mo
Today · 4.125%
HK$87,279
baseline
▲ 0.50% · 4.625%
HK$91,879
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,558/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,319
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,097
−HK$2,823/mo
Today · 4.125%
HK$94,920
baseline
▲ 0.50% · 4.625%
HK$100,695
+HK$5,775/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,840/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,366
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,031
−HK$2,704/mo
Today · 4.125%
HK$104,735
baseline
▲ 0.50% · 4.625%
HK$110,255
+HK$5,520/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,470/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,205
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,447
−HK$3,293/mo
Today · 4.125%
HK$110,740
baseline
▲ 0.50% · 4.625%
HK$117,478
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,480/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,927
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,036
−HK$3,154/mo
Today · 4.125%
HK$122,190
baseline
▲ 0.50% · 4.625%
HK$128,631
+HK$6,441/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,380/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,978
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,146
−HK$4,234/mo
Today · 4.125%
HK$142,380
baseline
▲ 0.50% · 4.625%
HK$151,043
+HK$8,663/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,760/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,049
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,047
−HK$4,055/mo
Today · 4.125%
HK$157,102
baseline
▲ 0.50% · 4.625%
HK$165,383
+HK$8,281/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,204/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,289 · Scale 2, in force from 26 Feb 2026)