LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,582
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,902
−HK$2,357/mo
Today · 4.125%
HK$79,259
baseline
▲ 0.50% · 4.625%
HK$84,081
+HK$4,822/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,518/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,972
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,197
−HK$2,257/mo
Today · 4.125%
HK$87,454
baseline
▲ 0.50% · 4.625%
HK$92,064
+HK$4,610/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,908/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,498
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,282
−HK$2,829/mo
Today · 4.125%
HK$95,111
baseline
▲ 0.50% · 4.625%
HK$100,898
+HK$5,787/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,222/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,566
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,236
−HK$2,709/mo
Today · 4.125%
HK$104,945
baseline
▲ 0.50% · 4.625%
HK$110,477
+HK$5,532/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,890/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,415
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,662
−HK$3,300/mo
Today · 4.125%
HK$110,962
baseline
▲ 0.50% · 4.625%
HK$117,714
+HK$6,752/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$221,924/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,160
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,276
−HK$3,160/mo
Today · 4.125%
HK$122,436
baseline
▲ 0.50% · 4.625%
HK$128,890
+HK$6,454/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$244,872/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,247
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$138,423
−HK$4,243/mo
Today · 4.125%
HK$142,666
baseline
▲ 0.50% · 4.625%
HK$151,347
+HK$8,681/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$285,332/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,349
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,354
−HK$4,064/mo
Today · 4.125%
HK$157,418
baseline
▲ 0.50% · 4.625%
HK$165,715
+HK$8,297/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$314,836/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,076 · Scale 2, in force from 26 Feb 2026)