LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,525
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,843
−HK$2,355/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$84,018
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,908
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,132
−HK$2,256/mo
Today · 4.125%
HK$87,388
baseline
▲ 0.50% · 4.625%
HK$91,994
+HK$4,606/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,776/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,430
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,212
−HK$2,826/mo
Today · 4.125%
HK$95,038
baseline
▲ 0.50% · 4.625%
HK$100,821
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,076/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,490
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,158
−HK$2,707/mo
Today · 4.125%
HK$104,865
baseline
▲ 0.50% · 4.625%
HK$110,393
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,730/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,335
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,581
−HK$3,297/mo
Today · 4.125%
HK$110,878
baseline
▲ 0.50% · 4.625%
HK$117,625
+HK$6,747/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$221,756/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,072
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,185
−HK$3,158/mo
Today · 4.125%
HK$122,343
baseline
▲ 0.50% · 4.625%
HK$128,792
+HK$6,449/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$244,686/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,145
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$138,318
−HK$4,239/mo
Today · 4.125%
HK$142,557
baseline
▲ 0.50% · 4.625%
HK$151,232
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,114/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,235
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,238
−HK$4,060/mo
Today · 4.125%
HK$157,298
baseline
▲ 0.50% · 4.625%
HK$165,589
+HK$8,291/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,596/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,018 · Scale 2, in force from 26 Feb 2026)