LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,490
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,807
−HK$2,354/mo
Today · 4.125%
HK$79,161
baseline
▲ 0.50% · 4.625%
HK$83,978
+HK$4,817/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,322/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,869
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,091
−HK$2,255/mo
Today · 4.125%
HK$87,346
baseline
▲ 0.50% · 4.625%
HK$91,950
+HK$4,604/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,692/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,388
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,168
−HK$2,825/mo
Today · 4.125%
HK$94,993
baseline
▲ 0.50% · 4.625%
HK$100,773
+HK$5,780/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$189,986/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,443
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,110
−HK$2,705/mo
Today · 4.125%
HK$104,815
baseline
▲ 0.50% · 4.625%
HK$110,340
+HK$5,525/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,630/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,285
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,529
−HK$3,296/mo
Today · 4.125%
HK$110,825
baseline
▲ 0.50% · 4.625%
HK$117,569
+HK$6,744/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,650/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,017
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,128
−HK$3,157/mo
Today · 4.125%
HK$122,285
baseline
▲ 0.50% · 4.625%
HK$128,730
+HK$6,445/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,570/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,081
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$138,252
−HK$4,237/mo
Today · 4.125%
HK$142,489
baseline
▲ 0.50% · 4.625%
HK$151,160
+HK$8,671/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,978/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,164
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,165
−HK$4,058/mo
Today · 4.125%
HK$157,223
baseline
▲ 0.50% · 4.625%
HK$165,510
+HK$8,287/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,446/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,357 · Scale 2, in force from 26 Feb 2026)