LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,563
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,882
−HK$2,356/mo
Today · 4.125%
HK$79,238
baseline
▲ 0.50% · 4.625%
HK$84,060
+HK$4,822/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,476/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,950
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,175
−HK$2,257/mo
Today · 4.125%
HK$87,432
baseline
▲ 0.50% · 4.625%
HK$92,040
+HK$4,608/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,864/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,475
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,258
−HK$2,828/mo
Today · 4.125%
HK$95,086
baseline
▲ 0.50% · 4.625%
HK$100,872
+HK$5,786/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,172/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,540
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,210
−HK$2,708/mo
Today · 4.125%
HK$104,918
baseline
▲ 0.50% · 4.625%
HK$110,448
+HK$5,530/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,836/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,388
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,635
−HK$3,299/mo
Today · 4.125%
HK$110,934
baseline
▲ 0.50% · 4.625%
HK$117,684
+HK$6,750/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,868/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,130
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,245
−HK$3,159/mo
Today · 4.125%
HK$122,404
baseline
▲ 0.50% · 4.625%
HK$128,856
+HK$6,452/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,808/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,213
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,387
−HK$4,242/mo
Today · 4.125%
HK$142,629
baseline
▲ 0.50% · 4.625%
HK$151,308
+HK$8,679/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$285,258/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,310
−HK$8,067/mo
▼ 0.25% · 3.875%
HK$153,315
−HK$4,062/mo
Today · 4.125%
HK$157,377
baseline
▲ 0.50% · 4.625%
HK$165,673
+HK$8,296/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$314,754/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,717 · Scale 2, in force from 26 Feb 2026)