LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,819
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,146
−HK$2,364/mo
Today · 4.125%
HK$79,510
baseline
▲ 0.50% · 4.625%
HK$84,348
+HK$4,838/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,020/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,235
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,467
−HK$2,265/mo
Today · 4.125%
HK$87,732
baseline
▲ 0.50% · 4.625%
HK$92,356
+HK$4,624/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,464/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,782
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,575
−HK$2,838/mo
Today · 4.125%
HK$95,413
baseline
▲ 0.50% · 4.625%
HK$101,218
+HK$5,805/mo
Deposit HK$13.12M · loan HK$19.69M · min. income ≈ HK$190,826/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,882
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,561
−HK$2,717/mo
Today · 4.125%
HK$105,278
baseline
▲ 0.50% · 4.625%
HK$110,828
+HK$5,550/mo
Deposit HK$13.12M · loan HK$19.69M · min. income ≈ HK$210,556/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,746
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,004
−HK$3,311/mo
Today · 4.125%
HK$111,315
baseline
▲ 0.50% · 4.625%
HK$118,088
+HK$6,773/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,630/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,529
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,654
−HK$3,171/mo
Today · 4.125%
HK$122,825
baseline
▲ 0.50% · 4.625%
HK$129,299
+HK$6,474/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,650/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,674
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,863
−HK$4,256/mo
Today · 4.125%
HK$143,119
baseline
▲ 0.50% · 4.625%
HK$151,827
+HK$8,708/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,238/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,823
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,841
−HK$4,076/mo
Today · 4.125%
HK$157,917
baseline
▲ 0.50% · 4.625%
HK$166,242
+HK$8,325/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,834/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,489 · Scale 2, in force from 26 Feb 2026)