LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,464
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,780
−HK$2,353/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$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,840
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,254/mo
Today · 4.125%
HK$87,316
baseline
▲ 0.50% · 4.625%
HK$91,918
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,632/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,356
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,136
−HK$2,824/mo
Today · 4.125%
HK$94,960
baseline
▲ 0.50% · 4.625%
HK$100,738
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,920/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,408
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,074
−HK$2,705/mo
Today · 4.125%
HK$104,779
baseline
▲ 0.50% · 4.625%
HK$110,302
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,558/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,492
−HK$3,294/mo
Today · 4.125%
HK$110,786
baseline
▲ 0.50% · 4.625%
HK$117,528
+HK$6,742/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$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,976
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,087
−HK$3,155/mo
Today · 4.125%
HK$122,242
baseline
▲ 0.50% · 4.625%
HK$128,685
+HK$6,443/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,484/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,035
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,204
−HK$4,236/mo
Today · 4.125%
HK$142,440
baseline
▲ 0.50% · 4.625%
HK$151,107
+HK$8,667/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,880/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,112
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,111
−HK$4,057/mo
Today · 4.125%
HK$157,168
baseline
▲ 0.50% · 4.625%
HK$165,453
+HK$8,285/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,336/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,873 · Scale 2, in force from 26 Feb 2026)