LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,700
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,024
−HK$2,361/mo
Today · 4.125%
HK$79,385
baseline
▲ 0.50% · 4.625%
HK$84,215
+HK$4,830/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,770/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,104
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,332
−HK$2,261/mo
Today · 4.125%
HK$87,593
baseline
▲ 0.50% · 4.625%
HK$92,211
+HK$4,618/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,186/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,641
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,429
−HK$2,833/mo
Today · 4.125%
HK$95,262
baseline
▲ 0.50% · 4.625%
HK$101,058
+HK$5,796/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$190,524/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,724
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,399
−HK$2,713/mo
Today · 4.125%
HK$105,112
baseline
▲ 0.50% · 4.625%
HK$110,653
+HK$5,541/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$210,224/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,581
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,834
−HK$3,305/mo
Today · 4.125%
HK$111,139
baseline
▲ 0.50% · 4.625%
HK$117,901
+HK$6,762/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,278/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,345
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,465
−HK$3,166/mo
Today · 4.125%
HK$122,631
baseline
▲ 0.50% · 4.625%
HK$129,095
+HK$6,464/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,262/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,461
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,643
−HK$4,250/mo
Today · 4.125%
HK$142,893
baseline
▲ 0.50% · 4.625%
HK$151,587
+HK$8,694/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,786/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,586
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,598
−HK$4,070/mo
Today · 4.125%
HK$157,668
baseline
▲ 0.50% · 4.625%
HK$165,979
+HK$8,311/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,336/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,287 · Scale 2, in force from 26 Feb 2026)