LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,829
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,157
−HK$2,365/mo
Today · 4.125%
HK$79,522
baseline
▲ 0.50% · 4.625%
HK$84,360
+HK$4,838/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,044/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,247
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,479
−HK$2,265/mo
Today · 4.125%
HK$87,744
baseline
▲ 0.50% · 4.625%
HK$92,369
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,488/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,795
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,588
−HK$2,838/mo
Today · 4.125%
HK$95,426
baseline
▲ 0.50% · 4.625%
HK$101,232
+HK$5,806/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,852/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,896
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,575
−HK$2,718/mo
Today · 4.125%
HK$105,293
baseline
▲ 0.50% · 4.625%
HK$110,843
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,586/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,761
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,019
−HK$3,311/mo
Today · 4.125%
HK$111,330
baseline
▲ 0.50% · 4.625%
HK$118,104
+HK$6,774/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,660/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,545
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,671
−HK$3,171/mo
Today · 4.125%
HK$122,842
baseline
▲ 0.50% · 4.625%
HK$129,317
+HK$6,475/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,684/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,692
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$138,882
−HK$4,257/mo
Today · 4.125%
HK$143,139
baseline
▲ 0.50% · 4.625%
HK$151,848
+HK$8,709/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,278/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,844
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,863
−HK$4,077/mo
Today · 4.125%
HK$157,940
baseline
▲ 0.50% · 4.625%
HK$166,265
+HK$8,325/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,880/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,684 · Scale 2, in force from 26 Feb 2026)