LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,559
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,878
−HK$2,356/mo
Today · 4.125%
HK$79,234
baseline
▲ 0.50% · 4.625%
HK$84,056
+HK$4,822/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,468/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,946
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,171
−HK$2,256/mo
Today · 4.125%
HK$87,427
baseline
▲ 0.50% · 4.625%
HK$92,036
+HK$4,609/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,854/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,471
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,254
−HK$2,827/mo
Today · 4.125%
HK$95,081
baseline
▲ 0.50% · 4.625%
HK$100,867
+HK$5,786/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,162/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,535
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,205
−HK$2,708/mo
Today · 4.125%
HK$104,913
baseline
▲ 0.50% · 4.625%
HK$110,443
+HK$5,530/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,826/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,382
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,629
−HK$3,299/mo
Today · 4.125%
HK$110,928
baseline
▲ 0.50% · 4.625%
HK$117,678
+HK$6,750/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,856/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,124
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,239
−HK$3,159/mo
Today · 4.125%
HK$122,398
baseline
▲ 0.50% · 4.625%
HK$128,850
+HK$6,452/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,796/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,206
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,381
−HK$4,241/mo
Today · 4.125%
HK$142,622
baseline
▲ 0.50% · 4.625%
HK$151,300
+HK$8,678/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$285,244/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,303
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,307
−HK$4,062/mo
Today · 4.125%
HK$157,369
baseline
▲ 0.50% · 4.625%
HK$165,664
+HK$8,295/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$314,738/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,648 · Scale 2, in force from 26 Feb 2026)