LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,790
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,116
−HK$2,364/mo
Today · 4.125%
HK$79,480
baseline
▲ 0.50% · 4.625%
HK$84,316
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,960/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,203
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,434
−HK$2,264/mo
Today · 4.125%
HK$87,698
baseline
▲ 0.50% · 4.625%
HK$92,321
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,396/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,748
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,539
−HK$2,837/mo
Today · 4.125%
HK$95,376
baseline
▲ 0.50% · 4.625%
HK$101,179
+HK$5,803/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,752/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,844
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,521
−HK$2,717/mo
Today · 4.125%
HK$105,238
baseline
▲ 0.50% · 4.625%
HK$110,785
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,476/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,706
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,963
−HK$3,309/mo
Today · 4.125%
HK$111,272
baseline
▲ 0.50% · 4.625%
HK$118,042
+HK$6,770/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,544/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,484
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,608
−HK$3,169/mo
Today · 4.125%
HK$122,777
baseline
▲ 0.50% · 4.625%
HK$129,249
+HK$6,472/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,554/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,622
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,809
−HK$4,255/mo
Today · 4.125%
HK$143,064
baseline
▲ 0.50% · 4.625%
HK$151,769
+HK$8,705/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,128/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,765
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,782
−HK$4,075/mo
Today · 4.125%
HK$157,857
baseline
▲ 0.50% · 4.625%
HK$166,177
+HK$8,320/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,714/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,952 · Scale 2, in force from 26 Feb 2026)