LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,627
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,948
−HK$2,359/mo
Today · 4.125%
HK$79,307
baseline
▲ 0.50% · 4.625%
HK$84,132
+HK$4,825/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,614/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,022
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,248
−HK$2,259/mo
Today · 4.125%
HK$87,507
baseline
▲ 0.50% · 4.625%
HK$92,120
+HK$4,613/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$175,014/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,552
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,338
−HK$2,830/mo
Today · 4.125%
HK$95,168
baseline
▲ 0.50% · 4.625%
HK$100,959
+HK$5,791/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,336/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,626
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,298
−HK$2,711/mo
Today · 4.125%
HK$105,009
baseline
▲ 0.50% · 4.625%
HK$110,544
+HK$5,535/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,018/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,478
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,728
−HK$3,301/mo
Today · 4.125%
HK$111,029
baseline
▲ 0.50% · 4.625%
HK$117,785
+HK$6,756/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,058/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,230
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,348
−HK$3,162/mo
Today · 4.125%
HK$122,510
baseline
▲ 0.50% · 4.625%
HK$128,968
+HK$6,458/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,020/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,329
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,507
−HK$4,245/mo
Today · 4.125%
HK$142,752
baseline
▲ 0.50% · 4.625%
HK$151,438
+HK$8,686/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$285,504/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,439
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$153,447
−HK$4,066/mo
Today · 4.125%
HK$157,513
baseline
▲ 0.50% · 4.625%
HK$165,816
+HK$8,303/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$315,026/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,917 · Scale 2, in force from 26 Feb 2026)