LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,530
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,849
−HK$2,355/mo
Today · 4.125%
HK$79,204
baseline
▲ 0.50% · 4.625%
HK$84,023
+HK$4,819/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,408/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,914
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,138
−HK$2,256/mo
Today · 4.125%
HK$87,394
baseline
▲ 0.50% · 4.625%
HK$92,000
+HK$4,606/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,788/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,436
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,218
−HK$2,827/mo
Today · 4.125%
HK$95,045
baseline
▲ 0.50% · 4.625%
HK$100,828
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,090/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,497
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,165
−HK$2,707/mo
Today · 4.125%
HK$104,872
baseline
▲ 0.50% · 4.625%
HK$110,400
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,744/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,342
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,588
−HK$3,298/mo
Today · 4.125%
HK$110,886
baseline
▲ 0.50% · 4.625%
HK$117,633
+HK$6,747/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,772/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,080
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,193
−HK$3,158/mo
Today · 4.125%
HK$122,351
baseline
▲ 0.50% · 4.625%
HK$128,801
+HK$6,450/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,702/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,154
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,327
−HK$4,240/mo
Today · 4.125%
HK$142,567
baseline
▲ 0.50% · 4.625%
HK$151,242
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,134/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,245
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,248
−HK$4,061/mo
Today · 4.125%
HK$157,309
baseline
▲ 0.50% · 4.625%
HK$165,601
+HK$8,292/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,618/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,114 · Scale 2, in force from 26 Feb 2026)