LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,521
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,839
−HK$2,355/mo
Today · 4.125%
HK$79,194
baseline
▲ 0.50% · 4.625%
HK$84,013
+HK$4,819/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,388/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,904
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,127
−HK$2,256/mo
Today · 4.125%
HK$87,383
baseline
▲ 0.50% · 4.625%
HK$91,989
+HK$4,606/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,766/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,425
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,207
−HK$2,826/mo
Today · 4.125%
HK$95,033
baseline
▲ 0.50% · 4.625%
HK$100,816
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,066/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,485
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,153
−HK$2,707/mo
Today · 4.125%
HK$104,860
baseline
▲ 0.50% · 4.625%
HK$110,387
+HK$5,527/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,720/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,330
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,575
−HK$3,297/mo
Today · 4.125%
HK$110,872
baseline
▲ 0.50% · 4.625%
HK$117,618
+HK$6,746/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$221,744/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,066
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,178
−HK$3,158/mo
Today · 4.125%
HK$122,336
baseline
▲ 0.50% · 4.625%
HK$128,785
+HK$6,449/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$244,672/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,138
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$138,310
−HK$4,240/mo
Today · 4.125%
HK$142,550
baseline
▲ 0.50% · 4.625%
HK$151,223
+HK$8,673/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,100/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,227
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$153,229
−HK$4,060/mo
Today · 4.125%
HK$157,289
baseline
▲ 0.50% · 4.625%
HK$165,580
+HK$8,291/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,578/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,944 · Scale 2, in force from 26 Feb 2026)