LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,551
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,870
−HK$2,356/mo
Today · 4.125%
HK$79,226
baseline
▲ 0.50% · 4.625%
HK$84,047
+HK$4,821/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,452/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,938
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,162
−HK$2,256/mo
Today · 4.125%
HK$87,418
baseline
▲ 0.50% · 4.625%
HK$92,026
+HK$4,608/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,836/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,461
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,244
−HK$2,828/mo
Today · 4.125%
HK$95,072
baseline
▲ 0.50% · 4.625%
HK$100,856
+HK$5,784/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,144/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,525
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,194
−HK$2,708/mo
Today · 4.125%
HK$104,902
baseline
▲ 0.50% · 4.625%
HK$110,432
+HK$5,530/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,804/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,372
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,618
−HK$3,299/mo
Today · 4.125%
HK$110,917
baseline
▲ 0.50% · 4.625%
HK$117,666
+HK$6,749/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,834/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,113
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,227
−HK$3,159/mo
Today · 4.125%
HK$122,386
baseline
▲ 0.50% · 4.625%
HK$128,837
+HK$6,451/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,772/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,192
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$138,366
−HK$4,241/mo
Today · 4.125%
HK$142,607
baseline
▲ 0.50% · 4.625%
HK$151,285
+HK$8,678/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,214/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,288
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,291
−HK$4,062/mo
Today · 4.125%
HK$157,353
baseline
▲ 0.50% · 4.625%
HK$165,647
+HK$8,294/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,706/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,505 · Scale 2, in force from 26 Feb 2026)