LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,771
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,097
−HK$2,363/mo
Today · 4.125%
HK$79,460
baseline
▲ 0.50% · 4.625%
HK$84,295
+HK$4,835/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,920/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,182
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,413
−HK$2,263/mo
Today · 4.125%
HK$87,676
baseline
▲ 0.50% · 4.625%
HK$92,298
+HK$4,622/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,352/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,725
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,516
−HK$2,836/mo
Today · 4.125%
HK$95,352
baseline
▲ 0.50% · 4.625%
HK$101,154
+HK$5,802/mo
Deposit HK$13.12M · loan HK$19.67M · min. income ≈ HK$190,704/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,818
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,495
−HK$2,716/mo
Today · 4.125%
HK$105,211
baseline
▲ 0.50% · 4.625%
HK$110,757
+HK$5,546/mo
Deposit HK$13.12M · loan HK$19.67M · min. income ≈ HK$210,422/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,679
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,936
−HK$3,308/mo
Today · 4.125%
HK$111,244
baseline
▲ 0.50% · 4.625%
HK$118,013
+HK$6,769/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,488/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,455
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,578
−HK$3,169/mo
Today · 4.125%
HK$122,747
baseline
▲ 0.50% · 4.625%
HK$129,217
+HK$6,470/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,494/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,588
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,774
−HK$4,254/mo
Today · 4.125%
HK$143,028
baseline
▲ 0.50% · 4.625%
HK$151,731
+HK$8,703/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,056/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,728
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,743
−HK$4,074/mo
Today · 4.125%
HK$157,817
baseline
▲ 0.50% · 4.625%
HK$166,136
+HK$8,319/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,634/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,602 · Scale 2, in force from 26 Feb 2026)