LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,793
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,120
−HK$2,363/mo
Today · 4.125%
HK$79,483
baseline
▲ 0.50% · 4.625%
HK$84,320
+HK$4,837/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,966/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,207
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,438
−HK$2,264/mo
Today · 4.125%
HK$87,702
baseline
▲ 0.50% · 4.625%
HK$92,325
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,404/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,752
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,544
−HK$2,836/mo
Today · 4.125%
HK$95,380
baseline
▲ 0.50% · 4.625%
HK$101,184
+HK$5,804/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,760/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,848
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,526
−HK$2,717/mo
Today · 4.125%
HK$105,243
baseline
▲ 0.50% · 4.625%
HK$110,790
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,486/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,711
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,968
−HK$3,309/mo
Today · 4.125%
HK$111,277
baseline
▲ 0.50% · 4.625%
HK$118,048
+HK$6,771/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,554/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,489
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,614
−HK$3,169/mo
Today · 4.125%
HK$122,783
baseline
▲ 0.50% · 4.625%
HK$129,255
+HK$6,472/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,566/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,628
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,816
−HK$4,254/mo
Today · 4.125%
HK$143,070
baseline
▲ 0.50% · 4.625%
HK$151,776
+HK$8,706/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,140/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,772
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,789
−HK$4,075/mo
Today · 4.125%
HK$157,864
baseline
▲ 0.50% · 4.625%
HK$166,185
+HK$8,321/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,728/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,017 · Scale 2, in force from 26 Feb 2026)