LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,780
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,106
−HK$2,363/mo
Today · 4.125%
HK$79,469
baseline
▲ 0.50% · 4.625%
HK$84,305
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,938/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,192
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,423
−HK$2,263/mo
Today · 4.125%
HK$87,686
baseline
▲ 0.50% · 4.625%
HK$92,308
+HK$4,622/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,372/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,736
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,527
−HK$2,836/mo
Today · 4.125%
HK$95,363
baseline
▲ 0.50% · 4.625%
HK$101,166
+HK$5,803/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,726/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,830
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,508
−HK$2,716/mo
Today · 4.125%
HK$105,224
baseline
▲ 0.50% · 4.625%
HK$110,770
+HK$5,546/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,448/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,692
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,948
−HK$3,309/mo
Today · 4.125%
HK$111,257
baseline
▲ 0.50% · 4.625%
HK$118,027
+HK$6,770/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,514/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,469
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,592
−HK$3,169/mo
Today · 4.125%
HK$122,761
baseline
▲ 0.50% · 4.625%
HK$129,232
+HK$6,471/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,522/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,604
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$138,791
−HK$4,254/mo
Today · 4.125%
HK$143,045
baseline
▲ 0.50% · 4.625%
HK$151,748
+HK$8,703/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,090/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,745
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,761
−HK$4,075/mo
Today · 4.125%
HK$157,836
baseline
▲ 0.50% · 4.625%
HK$166,155
+HK$8,319/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,672/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,766 · Scale 2, in force from 26 Feb 2026)