LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,761
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,086
−HK$2,363/mo
Today · 4.125%
HK$79,449
baseline
▲ 0.50% · 4.625%
HK$84,283
+HK$4,834/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,898/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,171
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,401
−HK$2,263/mo
Today · 4.125%
HK$87,664
baseline
▲ 0.50% · 4.625%
HK$92,285
+HK$4,621/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,328/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,713
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,504
−HK$2,835/mo
Today · 4.125%
HK$95,339
baseline
▲ 0.50% · 4.625%
HK$101,140
+HK$5,801/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$190,678/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,805
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,482
−HK$2,715/mo
Today · 4.125%
HK$105,197
baseline
▲ 0.50% · 4.625%
HK$110,742
+HK$5,545/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$210,394/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,665
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,921
−HK$3,308/mo
Today · 4.125%
HK$111,229
baseline
▲ 0.50% · 4.625%
HK$117,997
+HK$6,768/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,458/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,439
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,562
−HK$3,168/mo
Today · 4.125%
HK$122,730
baseline
▲ 0.50% · 4.625%
HK$129,199
+HK$6,469/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,460/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,570
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,755
−HK$4,253/mo
Today · 4.125%
HK$143,008
baseline
▲ 0.50% · 4.625%
HK$151,710
+HK$8,702/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,016/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,707
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,722
−HK$4,074/mo
Today · 4.125%
HK$157,796
baseline
▲ 0.50% · 4.625%
HK$166,113
+HK$8,317/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,592/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,413 · Scale 2, in force from 26 Feb 2026)