LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,578
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,897
−HK$2,357/mo
Today · 4.125%
HK$79,254
baseline
▲ 0.50% · 4.625%
HK$84,077
+HK$4,823/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,508/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,967
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,192
−HK$2,257/mo
Today · 4.125%
HK$87,449
baseline
▲ 0.50% · 4.625%
HK$92,059
+HK$4,610/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,898/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,493
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,277
−HK$2,828/mo
Today · 4.125%
HK$95,105
baseline
▲ 0.50% · 4.625%
HK$100,892
+HK$5,787/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,210/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,560
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,230
−HK$2,709/mo
Today · 4.125%
HK$104,939
baseline
▲ 0.50% · 4.625%
HK$110,471
+HK$5,532/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,878/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,409
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,656
−HK$3,300/mo
Today · 4.125%
HK$110,956
baseline
▲ 0.50% · 4.625%
HK$117,707
+HK$6,751/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,912/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,154
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,269
−HK$3,160/mo
Today · 4.125%
HK$122,429
baseline
▲ 0.50% · 4.625%
HK$128,882
+HK$6,453/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,858/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,240
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$138,415
−HK$4,243/mo
Today · 4.125%
HK$142,658
baseline
▲ 0.50% · 4.625%
HK$151,338
+HK$8,680/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$285,316/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,340
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,346
−HK$4,063/mo
Today · 4.125%
HK$157,409
baseline
▲ 0.50% · 4.625%
HK$165,706
+HK$8,297/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$314,818/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,997 · Scale 2, in force from 26 Feb 2026)