LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,732
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,056
−HK$2,362/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$84,250
+HK$4,832/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,138
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,368
−HK$2,262/mo
Today · 4.125%
HK$87,630
baseline
▲ 0.50% · 4.625%
HK$92,249
+HK$4,619/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,260/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,678
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,468
−HK$2,834/mo
Today · 4.125%
HK$95,302
baseline
▲ 0.50% · 4.625%
HK$101,101
+HK$5,799/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$190,604/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,766
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,442
−HK$2,714/mo
Today · 4.125%
HK$105,156
baseline
▲ 0.50% · 4.625%
HK$110,699
+HK$5,543/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$210,312/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,624
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,879
−HK$3,306/mo
Today · 4.125%
HK$111,185
baseline
▲ 0.50% · 4.625%
HK$117,951
+HK$6,766/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$222,370/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,394
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,515
−HK$3,167/mo
Today · 4.125%
HK$122,682
baseline
▲ 0.50% · 4.625%
HK$129,149
+HK$6,467/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$245,364/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,517
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$138,701
−HK$4,252/mo
Today · 4.125%
HK$142,953
baseline
▲ 0.50% · 4.625%
HK$151,651
+HK$8,698/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$285,906/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,649
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$153,662
−HK$4,072/mo
Today · 4.125%
HK$157,734
baseline
▲ 0.50% · 4.625%
HK$166,048
+HK$8,314/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$315,468/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,870 · Scale 2, in force from 26 Feb 2026)