LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,531
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,850
−HK$2,355/mo
Today · 4.125%
HK$79,205
baseline
▲ 0.50% · 4.625%
HK$84,024
+HK$4,819/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,410/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,915
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,139
−HK$2,256/mo
Today · 4.125%
HK$87,395
baseline
▲ 0.50% · 4.625%
HK$92,002
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,790/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,437
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,220
−HK$2,826/mo
Today · 4.125%
HK$95,046
baseline
▲ 0.50% · 4.625%
HK$100,829
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,092/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,498
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,167
−HK$2,707/mo
Today · 4.125%
HK$104,874
baseline
▲ 0.50% · 4.625%
HK$110,402
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,748/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,344
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,589
−HK$3,298/mo
Today · 4.125%
HK$110,887
baseline
▲ 0.50% · 4.625%
HK$117,634
+HK$6,747/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,774/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,081
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,195
−HK$3,158/mo
Today · 4.125%
HK$122,353
baseline
▲ 0.50% · 4.625%
HK$128,802
+HK$6,449/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,706/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,156
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,329
−HK$4,240/mo
Today · 4.125%
HK$142,569
baseline
▲ 0.50% · 4.625%
HK$151,244
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,138/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,247
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,250
−HK$4,061/mo
Today · 4.125%
HK$157,311
baseline
▲ 0.50% · 4.625%
HK$165,603
+HK$8,292/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,622/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,133 · Scale 2, in force from 26 Feb 2026)