LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,601
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,922
−HK$2,357/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,824/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,993
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,219
−HK$2,258/mo
Today · 4.125%
HK$87,477
baseline
▲ 0.50% · 4.625%
HK$92,088
+HK$4,611/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$174,954/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,521
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,306
−HK$2,829/mo
Today · 4.125%
HK$95,135
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,789/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$190,270/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,592
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,263
−HK$2,709/mo
Today · 4.125%
HK$104,972
baseline
▲ 0.50% · 4.625%
HK$110,505
+HK$5,533/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$209,944/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,442
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,690
−HK$3,301/mo
Today · 4.125%
HK$110,991
baseline
▲ 0.50% · 4.625%
HK$117,744
+HK$6,753/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$221,982/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,190
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,306
−HK$3,162/mo
Today · 4.125%
HK$122,468
baseline
▲ 0.50% · 4.625%
HK$128,923
+HK$6,455/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$244,936/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,282
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$138,459
−HK$4,244/mo
Today · 4.125%
HK$142,703
baseline
▲ 0.50% · 4.625%
HK$151,386
+HK$8,683/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$285,406/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,387
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,394
−HK$4,064/mo
Today · 4.125%
HK$157,458
baseline
▲ 0.50% · 4.625%
HK$165,758
+HK$8,300/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$314,916/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,435 · Scale 2, in force from 26 Feb 2026)