LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,836
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,164
−HK$2,365/mo
Today · 4.125%
HK$79,529
baseline
▲ 0.50% · 4.625%
HK$84,368
+HK$4,839/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,058/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,254
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,487
−HK$2,265/mo
Today · 4.125%
HK$87,752
baseline
▲ 0.50% · 4.625%
HK$92,378
+HK$4,626/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,504/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,803
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,597
−HK$2,838/mo
Today · 4.125%
HK$95,435
baseline
▲ 0.50% · 4.625%
HK$101,242
+HK$5,807/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,870/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,905
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,584
−HK$2,719/mo
Today · 4.125%
HK$105,303
baseline
▲ 0.50% · 4.625%
HK$110,853
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,606/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,770
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,029
−HK$3,311/mo
Today · 4.125%
HK$111,340
baseline
▲ 0.50% · 4.625%
HK$118,115
+HK$6,775/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$222,680/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,556
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,682
−HK$3,171/mo
Today · 4.125%
HK$122,853
baseline
▲ 0.50% · 4.625%
HK$129,329
+HK$6,476/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$245,706/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,705
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$138,895
−HK$4,257/mo
Today · 4.125%
HK$143,152
baseline
▲ 0.50% · 4.625%
HK$151,862
+HK$8,710/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,304/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,858
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,877
−HK$4,077/mo
Today · 4.125%
HK$157,954
baseline
▲ 0.50% · 4.625%
HK$166,280
+HK$8,326/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,908/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,812 · Scale 2, in force from 26 Feb 2026)