LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,729
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,054
−HK$2,361/mo
Today · 4.125%
HK$79,415
baseline
▲ 0.50% · 4.625%
HK$84,248
+HK$4,833/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,830/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,135
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,365
−HK$2,262/mo
Today · 4.125%
HK$87,627
baseline
▲ 0.50% · 4.625%
HK$92,246
+HK$4,619/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,254/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,675
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,464
−HK$2,834/mo
Today · 4.125%
HK$95,298
baseline
▲ 0.50% · 4.625%
HK$101,097
+HK$5,799/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$190,596/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,762
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,438
−HK$2,714/mo
Today · 4.125%
HK$105,152
baseline
▲ 0.50% · 4.625%
HK$110,695
+HK$5,543/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$210,304/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,621
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,875
−HK$3,306/mo
Today · 4.125%
HK$111,181
baseline
▲ 0.50% · 4.625%
HK$117,947
+HK$6,766/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$222,362/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,390
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,511
−HK$3,167/mo
Today · 4.125%
HK$122,678
baseline
▲ 0.50% · 4.625%
HK$129,144
+HK$6,466/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$245,356/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,512
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$138,697
−HK$4,251/mo
Today · 4.125%
HK$142,948
baseline
▲ 0.50% · 4.625%
HK$151,646
+HK$8,698/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$285,896/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,644
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$153,657
−HK$4,071/mo
Today · 4.125%
HK$157,728
baseline
▲ 0.50% · 4.625%
HK$166,043
+HK$8,315/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$315,456/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,821 · Scale 2, in force from 26 Feb 2026)