LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,438
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,754
−HK$2,352/mo
Today · 4.125%
HK$79,106
baseline
▲ 0.50% · 4.625%
HK$83,920
+HK$4,814/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,212/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,812
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,033
−HK$2,253/mo
Today · 4.125%
HK$87,286
baseline
▲ 0.50% · 4.625%
HK$91,887
+HK$4,601/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,572/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,326
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,105
−HK$2,823/mo
Today · 4.125%
HK$94,928
baseline
▲ 0.50% · 4.625%
HK$100,704
+HK$5,776/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,856/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,374
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,040
−HK$2,703/mo
Today · 4.125%
HK$104,743
baseline
▲ 0.50% · 4.625%
HK$110,265
+HK$5,522/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,486/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,214
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,455
−HK$3,294/mo
Today · 4.125%
HK$110,749
baseline
▲ 0.50% · 4.625%
HK$117,488
+HK$6,739/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,498/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,937
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,046
−HK$3,155/mo
Today · 4.125%
HK$122,201
baseline
▲ 0.50% · 4.625%
HK$128,642
+HK$6,441/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,402/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,989
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$138,157
−HK$4,235/mo
Today · 4.125%
HK$142,392
baseline
▲ 0.50% · 4.625%
HK$151,056
+HK$8,664/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,784/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,062
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,059
−HK$4,056/mo
Today · 4.125%
HK$157,115
baseline
▲ 0.50% · 4.625%
HK$165,397
+HK$8,282/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,230/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,404 · Scale 2, in force from 26 Feb 2026)