LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,599
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,920
−HK$2,357/mo
Today · 4.125%
HK$79,277
baseline
▲ 0.50% · 4.625%
HK$84,101
+HK$4,824/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,554/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,991
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,217
−HK$2,258/mo
Today · 4.125%
HK$87,475
baseline
▲ 0.50% · 4.625%
HK$92,086
+HK$4,611/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$174,950/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,519
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,304
−HK$2,829/mo
Today · 4.125%
HK$95,133
baseline
▲ 0.50% · 4.625%
HK$100,922
+HK$5,789/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$190,266/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,589
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,260
−HK$2,710/mo
Today · 4.125%
HK$104,970
baseline
▲ 0.50% · 4.625%
HK$110,503
+HK$5,533/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$209,940/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,439
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,688
−HK$3,300/mo
Today · 4.125%
HK$110,988
baseline
▲ 0.50% · 4.625%
HK$117,742
+HK$6,754/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$221,976/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,187
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,304
−HK$3,161/mo
Today · 4.125%
HK$122,465
baseline
▲ 0.50% · 4.625%
HK$128,920
+HK$6,455/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$244,930/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,279
−HK$8,420/mo
▼ 0.25% · 3.875%
HK$138,456
−HK$4,243/mo
Today · 4.125%
HK$142,699
baseline
▲ 0.50% · 4.625%
HK$151,382
+HK$8,683/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$285,398/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,384
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,390
−HK$4,065/mo
Today · 4.125%
HK$157,455
baseline
▲ 0.50% · 4.625%
HK$165,754
+HK$8,299/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$314,910/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,403 · Scale 2, in force from 26 Feb 2026)