LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,656
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,978
−HK$2,360/mo
Today · 4.125%
HK$79,338
baseline
▲ 0.50% · 4.625%
HK$84,165
+HK$4,827/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,676/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,054
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,281
−HK$2,260/mo
Today · 4.125%
HK$87,541
baseline
▲ 0.50% · 4.625%
HK$92,156
+HK$4,615/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,082/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,587
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,374
−HK$2,831/mo
Today · 4.125%
HK$95,205
baseline
▲ 0.50% · 4.625%
HK$100,998
+HK$5,793/mo
Deposit HK$13.10M · loan HK$19.64M · min. income ≈ HK$190,410/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,665
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,338
−HK$2,711/mo
Today · 4.125%
HK$105,049
baseline
▲ 0.50% · 4.625%
HK$110,587
+HK$5,538/mo
Deposit HK$13.10M · loan HK$19.64M · min. income ≈ HK$210,098/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,518
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,769
−HK$3,304/mo
Today · 4.125%
HK$111,073
baseline
▲ 0.50% · 4.625%
HK$117,831
+HK$6,758/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,146/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,276
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,394
−HK$3,164/mo
Today · 4.125%
HK$122,558
baseline
▲ 0.50% · 4.625%
HK$129,018
+HK$6,460/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,116/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,381
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,561
−HK$4,247/mo
Today · 4.125%
HK$142,808
baseline
▲ 0.50% · 4.625%
HK$151,497
+HK$8,689/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$285,616/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,497
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$153,507
−HK$4,067/mo
Today · 4.125%
HK$157,574
baseline
▲ 0.50% · 4.625%
HK$165,880
+HK$8,306/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$315,148/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,456 · Scale 2, in force from 26 Feb 2026)