LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,464
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,781
−HK$2,353/mo
Today · 4.125%
HK$79,134
baseline
▲ 0.50% · 4.625%
HK$83,949
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,268/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,841
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,063
−HK$2,254/mo
Today · 4.125%
HK$87,317
baseline
▲ 0.50% · 4.625%
HK$91,919
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,634/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,357
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,137
−HK$2,824/mo
Today · 4.125%
HK$94,961
baseline
▲ 0.50% · 4.625%
HK$100,739
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,922/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,409
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,075
−HK$2,705/mo
Today · 4.125%
HK$104,780
baseline
▲ 0.50% · 4.625%
HK$110,303
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,560/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,250
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,493
−HK$3,295/mo
Today · 4.125%
HK$110,788
baseline
▲ 0.50% · 4.625%
HK$117,529
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,576/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,977
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,088
−HK$3,155/mo
Today · 4.125%
HK$122,243
baseline
▲ 0.50% · 4.625%
HK$128,687
+HK$6,444/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,486/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,036
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,205
−HK$4,236/mo
Today · 4.125%
HK$142,441
baseline
▲ 0.50% · 4.625%
HK$151,108
+HK$8,667/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,882/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,114
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,113
−HK$4,057/mo
Today · 4.125%
HK$157,170
baseline
▲ 0.50% · 4.625%
HK$165,454
+HK$8,284/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,340/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,888 · Scale 2, in force from 26 Feb 2026)