LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,680
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,003
−HK$2,360/mo
Today · 4.125%
HK$79,363
baseline
▲ 0.50% · 4.625%
HK$84,192
+HK$4,829/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,726/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,081
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,309
−HK$2,260/mo
Today · 4.125%
HK$87,569
baseline
▲ 0.50% · 4.625%
HK$92,185
+HK$4,616/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,138/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,616
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,404
−HK$2,832/mo
Today · 4.125%
HK$95,236
baseline
▲ 0.50% · 4.625%
HK$101,031
+HK$5,795/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,472/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,697
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,371
−HK$2,712/mo
Today · 4.125%
HK$105,083
baseline
▲ 0.50% · 4.625%
HK$110,622
+HK$5,539/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,166/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,552
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,804
−HK$3,304/mo
Today · 4.125%
HK$111,108
baseline
▲ 0.50% · 4.625%
HK$117,869
+HK$6,761/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,216/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,313
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,433
−HK$3,164/mo
Today · 4.125%
HK$122,597
baseline
▲ 0.50% · 4.625%
HK$129,059
+HK$6,462/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,194/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,424
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$138,605
−HK$4,249/mo
Today · 4.125%
HK$142,854
baseline
▲ 0.50% · 4.625%
HK$151,546
+HK$8,692/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,708/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,545
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$153,556
−HK$4,069/mo
Today · 4.125%
HK$157,625
baseline
▲ 0.50% · 4.625%
HK$165,934
+HK$8,309/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,250/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,906 · Scale 2, in force from 26 Feb 2026)