LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,463
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,779
−HK$2,354/mo
Today · 4.125%
HK$79,133
baseline
▲ 0.50% · 4.625%
HK$83,948
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,266/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,840
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,061
−HK$2,254/mo
Today · 4.125%
HK$87,315
baseline
▲ 0.50% · 4.625%
HK$91,918
+HK$4,603/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$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,356
−HK$5,603/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$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,408
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,074
−HK$2,704/mo
Today · 4.125%
HK$104,778
baseline
▲ 0.50% · 4.625%
HK$110,301
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,556/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,491
−HK$3,295/mo
Today · 4.125%
HK$110,786
baseline
▲ 0.50% · 4.625%
HK$117,527
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,572/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,975
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,086
−HK$3,155/mo
Today · 4.125%
HK$122,241
baseline
▲ 0.50% · 4.625%
HK$128,685
+HK$6,444/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,482/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,034
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,203
−HK$4,236/mo
Today · 4.125%
HK$142,439
baseline
▲ 0.50% · 4.625%
HK$151,106
+HK$8,667/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,878/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,111
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,110
−HK$4,057/mo
Today · 4.125%
HK$157,167
baseline
▲ 0.50% · 4.625%
HK$165,452
+HK$8,285/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,334/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,865 · Scale 2, in force from 26 Feb 2026)