LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,503
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,821
−HK$2,354/mo
Today · 4.125%
HK$79,175
baseline
▲ 0.50% · 4.625%
HK$83,993
+HK$4,818/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,350/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,884
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,107
−HK$2,255/mo
Today · 4.125%
HK$87,362
baseline
▲ 0.50% · 4.625%
HK$91,967
+HK$4,605/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,724/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,404
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,185
−HK$2,825/mo
Today · 4.125%
HK$95,010
baseline
▲ 0.50% · 4.625%
HK$100,792
+HK$5,782/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$190,020/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,461
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,129
−HK$2,706/mo
Today · 4.125%
HK$104,835
baseline
▲ 0.50% · 4.625%
HK$110,361
+HK$5,526/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,670/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,305
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,549
−HK$3,296/mo
Today · 4.125%
HK$110,845
baseline
▲ 0.50% · 4.625%
HK$117,590
+HK$6,745/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,690/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,038
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,150
−HK$3,157/mo
Today · 4.125%
HK$122,307
baseline
▲ 0.50% · 4.625%
HK$128,754
+HK$6,447/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,614/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,106
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,277
−HK$4,239/mo
Today · 4.125%
HK$142,516
baseline
▲ 0.50% · 4.625%
HK$151,187
+HK$8,671/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,032/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,192
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$153,193
−HK$4,059/mo
Today · 4.125%
HK$157,252
baseline
▲ 0.50% · 4.625%
HK$165,541
+HK$8,289/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,504/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,612 · Scale 2, in force from 26 Feb 2026)