LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,795
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,121
−HK$2,364/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$84,321
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,208
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,440
−HK$2,264/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$92,327
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,754
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,545
−HK$2,837/mo
Today · 4.125%
HK$95,382
baseline
▲ 0.50% · 4.625%
HK$101,186
+HK$5,804/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,764/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,850
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,528
−HK$2,717/mo
Today · 4.125%
HK$105,245
baseline
▲ 0.50% · 4.625%
HK$110,792
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,490/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,713
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,970
−HK$3,309/mo
Today · 4.125%
HK$111,279
baseline
▲ 0.50% · 4.625%
HK$118,050
+HK$6,771/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,558/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,492
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,616
−HK$3,169/mo
Today · 4.125%
HK$122,785
baseline
▲ 0.50% · 4.625%
HK$129,258
+HK$6,473/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,570/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,630
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$138,818
−HK$4,255/mo
Today · 4.125%
HK$143,073
baseline
▲ 0.50% · 4.625%
HK$151,779
+HK$8,706/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,146/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,775
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,792
−HK$4,075/mo
Today · 4.125%
HK$157,867
baseline
▲ 0.50% · 4.625%
HK$166,188
+HK$8,321/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,734/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,043 · Scale 2, in force from 26 Feb 2026)