LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,820
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,148
−HK$2,364/mo
Today · 4.125%
HK$79,512
baseline
▲ 0.50% · 4.625%
HK$84,350
+HK$4,838/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,024/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,237
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,469
−HK$2,265/mo
Today · 4.125%
HK$87,734
baseline
▲ 0.50% · 4.625%
HK$92,358
+HK$4,624/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,468/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,784
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,577
−HK$2,838/mo
Today · 4.125%
HK$95,415
baseline
▲ 0.50% · 4.625%
HK$101,220
+HK$5,805/mo
Deposit HK$13.12M · loan HK$19.69M · min. income ≈ HK$190,830/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,884
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,563
−HK$2,718/mo
Today · 4.125%
HK$105,281
baseline
▲ 0.50% · 4.625%
HK$110,830
+HK$5,549/mo
Deposit HK$13.12M · loan HK$19.69M · min. income ≈ HK$210,562/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,748
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,007
−HK$3,310/mo
Today · 4.125%
HK$111,317
baseline
▲ 0.50% · 4.625%
HK$118,090
+HK$6,773/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,634/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,532
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,657
−HK$3,170/mo
Today · 4.125%
HK$122,827
baseline
▲ 0.50% · 4.625%
HK$129,302
+HK$6,475/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,654/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,677
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,866
−HK$4,256/mo
Today · 4.125%
HK$143,122
baseline
▲ 0.50% · 4.625%
HK$151,831
+HK$8,709/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,244/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,826
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$153,845
−HK$4,076/mo
Today · 4.125%
HK$157,921
baseline
▲ 0.50% · 4.625%
HK$166,245
+HK$8,324/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,842/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,521 · Scale 2, in force from 26 Feb 2026)