LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,705
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,029
−HK$2,361/mo
Today · 4.125%
HK$79,390
baseline
▲ 0.50% · 4.625%
HK$84,221
+HK$4,831/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,780/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,109
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,338
−HK$2,261/mo
Today · 4.125%
HK$87,599
baseline
▲ 0.50% · 4.625%
HK$92,216
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,198/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,646
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,435
−HK$2,833/mo
Today · 4.125%
HK$95,268
baseline
▲ 0.50% · 4.625%
HK$101,065
+HK$5,797/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$190,536/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,731
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,405
−HK$2,714/mo
Today · 4.125%
HK$105,119
baseline
▲ 0.50% · 4.625%
HK$110,660
+HK$5,541/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$210,238/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,587
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,841
−HK$3,305/mo
Today · 4.125%
HK$111,146
baseline
▲ 0.50% · 4.625%
HK$117,909
+HK$6,763/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,292/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,352
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,473
−HK$3,166/mo
Today · 4.125%
HK$122,639
baseline
▲ 0.50% · 4.625%
HK$129,103
+HK$6,464/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,278/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,470
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,652
−HK$4,250/mo
Today · 4.125%
HK$142,902
baseline
▲ 0.50% · 4.625%
HK$151,597
+HK$8,695/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$285,804/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,596
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,608
−HK$4,070/mo
Today · 4.125%
HK$157,678
baseline
▲ 0.50% · 4.625%
HK$165,990
+HK$8,312/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$315,356/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,377 · Scale 2, in force from 26 Feb 2026)