LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,433
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,353/mo
Today · 4.125%
HK$79,101
baseline
▲ 0.50% · 4.625%
HK$83,914
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,202/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,806
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,027
−HK$2,253/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$91,880
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,320
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,098
−HK$2,823/mo
Today · 4.125%
HK$94,921
baseline
▲ 0.50% · 4.625%
HK$100,696
+HK$5,775/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,842/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,367
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,032
−HK$2,704/mo
Today · 4.125%
HK$104,736
baseline
▲ 0.50% · 4.625%
HK$110,256
+HK$5,520/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,472/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,206
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,448
−HK$3,293/mo
Today · 4.125%
HK$110,741
baseline
▲ 0.50% · 4.625%
HK$117,479
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,482/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,928
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,037
−HK$3,155/mo
Today · 4.125%
HK$122,192
baseline
▲ 0.50% · 4.625%
HK$128,632
+HK$6,440/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,384/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,979
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,147
−HK$4,234/mo
Today · 4.125%
HK$142,381
baseline
▲ 0.50% · 4.625%
HK$151,045
+HK$8,664/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,762/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,051
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,048
−HK$4,055/mo
Today · 4.125%
HK$157,103
baseline
▲ 0.50% · 4.625%
HK$165,385
+HK$8,282/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,206/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,301 · Scale 2, in force from 26 Feb 2026)