LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,779
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,105
−HK$2,363/mo
Today · 4.125%
HK$79,468
baseline
▲ 0.50% · 4.625%
HK$84,304
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,936/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,191
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,422
−HK$2,263/mo
Today · 4.125%
HK$87,685
baseline
▲ 0.50% · 4.625%
HK$92,307
+HK$4,622/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,370/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,735
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,526
−HK$2,836/mo
Today · 4.125%
HK$95,362
baseline
▲ 0.50% · 4.625%
HK$101,164
+HK$5,802/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,724/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,829
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,506
−HK$2,716/mo
Today · 4.125%
HK$105,222
baseline
▲ 0.50% · 4.625%
HK$110,769
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,444/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,690
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,947
−HK$3,308/mo
Today · 4.125%
HK$111,255
baseline
▲ 0.50% · 4.625%
HK$118,025
+HK$6,770/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,510/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,467
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,591
−HK$3,168/mo
Today · 4.125%
HK$122,759
baseline
▲ 0.50% · 4.625%
HK$129,230
+HK$6,471/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,518/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,602
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$138,789
−HK$4,254/mo
Today · 4.125%
HK$143,043
baseline
▲ 0.50% · 4.625%
HK$151,746
+HK$8,703/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,086/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,743
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$153,759
−HK$4,074/mo
Today · 4.125%
HK$157,833
baseline
▲ 0.50% · 4.625%
HK$166,153
+HK$8,320/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,666/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,747 · Scale 2, in force from 26 Feb 2026)