LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,463
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,779
−HK$2,353/mo
Today · 4.125%
HK$79,132
baseline
▲ 0.50% · 4.625%
HK$83,947
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,264/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,839
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,061
−HK$2,254/mo
Today · 4.125%
HK$87,315
baseline
▲ 0.50% · 4.625%
HK$91,917
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,630/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,355
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,135
−HK$2,824/mo
Today · 4.125%
HK$94,959
baseline
▲ 0.50% · 4.625%
HK$100,737
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,918/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,407
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,073
−HK$2,704/mo
Today · 4.125%
HK$104,777
baseline
▲ 0.50% · 4.625%
HK$110,300
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,554/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,248
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,491
−HK$3,294/mo
Today · 4.125%
HK$110,785
baseline
▲ 0.50% · 4.625%
HK$117,526
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,570/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,975
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,085
−HK$3,155/mo
Today · 4.125%
HK$122,240
baseline
▲ 0.50% · 4.625%
HK$128,684
+HK$6,444/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,480/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,033
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,202
−HK$4,236/mo
Today · 4.125%
HK$142,438
baseline
▲ 0.50% · 4.625%
HK$151,105
+HK$8,667/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,876/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,110
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,109
−HK$4,057/mo
Today · 4.125%
HK$157,166
baseline
▲ 0.50% · 4.625%
HK$165,451
+HK$8,285/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,332/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,856 · Scale 2, in force from 26 Feb 2026)