LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,724
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,362/mo
Today · 4.125%
HK$79,410
baseline
▲ 0.50% · 4.625%
HK$84,242
+HK$4,832/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,820/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,130
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,359
−HK$2,262/mo
Today · 4.125%
HK$87,621
baseline
▲ 0.50% · 4.625%
HK$92,240
+HK$4,619/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,242/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,669
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,458
−HK$2,834/mo
Today · 4.125%
HK$95,292
baseline
▲ 0.50% · 4.625%
HK$101,090
+HK$5,798/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$190,584/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,756
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,431
−HK$2,714/mo
Today · 4.125%
HK$105,145
baseline
▲ 0.50% · 4.625%
HK$110,688
+HK$5,543/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$210,290/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,614
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,868
−HK$3,306/mo
Today · 4.125%
HK$111,174
baseline
▲ 0.50% · 4.625%
HK$117,939
+HK$6,765/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$222,348/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,382
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,503
−HK$3,166/mo
Today · 4.125%
HK$122,669
baseline
▲ 0.50% · 4.625%
HK$129,135
+HK$6,466/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$245,338/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,503
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$138,687
−HK$4,251/mo
Today · 4.125%
HK$142,938
baseline
▲ 0.50% · 4.625%
HK$151,635
+HK$8,697/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$285,876/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,634
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$153,647
−HK$4,071/mo
Today · 4.125%
HK$157,718
baseline
▲ 0.50% · 4.625%
HK$166,031
+HK$8,313/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$315,436/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,726 · Scale 2, in force from 26 Feb 2026)