LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,826
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,153
−HK$2,365/mo
Today · 4.125%
HK$79,518
baseline
▲ 0.50% · 4.625%
HK$84,357
+HK$4,839/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,036/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,243
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,476
−HK$2,264/mo
Today · 4.125%
HK$87,740
baseline
▲ 0.50% · 4.625%
HK$92,365
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,480/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,791
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,584
−HK$2,838/mo
Today · 4.125%
HK$95,422
baseline
▲ 0.50% · 4.625%
HK$101,228
+HK$5,806/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,844/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,892
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,571
−HK$2,717/mo
Today · 4.125%
HK$105,288
baseline
▲ 0.50% · 4.625%
HK$110,838
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,576/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,756
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,015
−HK$3,310/mo
Today · 4.125%
HK$111,325
baseline
▲ 0.50% · 4.625%
HK$118,099
+HK$6,774/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,650/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,540
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,666
−HK$3,170/mo
Today · 4.125%
HK$122,836
baseline
▲ 0.50% · 4.625%
HK$129,311
+HK$6,475/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,672/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,687
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,876
−HK$4,257/mo
Today · 4.125%
HK$143,133
baseline
▲ 0.50% · 4.625%
HK$151,842
+HK$8,709/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,266/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,837
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,856
−HK$4,077/mo
Today · 4.125%
HK$157,933
baseline
▲ 0.50% · 4.625%
HK$166,257
+HK$8,324/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,866/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,624 · Scale 2, in force from 26 Feb 2026)