LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,537
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,856
−HK$2,355/mo
Today · 4.125%
HK$79,211
baseline
▲ 0.50% · 4.625%
HK$84,031
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,422/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,922
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,146
−HK$2,256/mo
Today · 4.125%
HK$87,402
baseline
▲ 0.50% · 4.625%
HK$92,009
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,804/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,445
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,227
−HK$2,826/mo
Today · 4.125%
HK$95,053
baseline
▲ 0.50% · 4.625%
HK$100,837
+HK$5,784/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$190,106/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,506
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,175
−HK$2,707/mo
Today · 4.125%
HK$104,882
baseline
▲ 0.50% · 4.625%
HK$110,411
+HK$5,529/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$209,764/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,352
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,598
−HK$3,298/mo
Today · 4.125%
HK$110,896
baseline
▲ 0.50% · 4.625%
HK$117,643
+HK$6,747/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,792/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,090
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,204
−HK$3,159/mo
Today · 4.125%
HK$122,363
baseline
▲ 0.50% · 4.625%
HK$128,812
+HK$6,449/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,726/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,167
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,340
−HK$4,240/mo
Today · 4.125%
HK$142,580
baseline
▲ 0.50% · 4.625%
HK$151,256
+HK$8,676/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,160/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,259
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,262
−HK$4,061/mo
Today · 4.125%
HK$157,323
baseline
▲ 0.50% · 4.625%
HK$165,616
+HK$8,293/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,646/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,242 · Scale 2, in force from 26 Feb 2026)