LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,899
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,229
−HK$2,367/mo
Today · 4.125%
HK$79,596
baseline
▲ 0.50% · 4.625%
HK$84,439
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,192/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,325
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,559
−HK$2,267/mo
Today · 4.125%
HK$87,826
baseline
▲ 0.50% · 4.625%
HK$92,456
+HK$4,630/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,652/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,879
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,675
−HK$2,840/mo
Today · 4.125%
HK$95,515
baseline
▲ 0.50% · 4.625%
HK$101,327
+HK$5,812/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,030/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,990
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,671
−HK$2,721/mo
Today · 4.125%
HK$105,392
baseline
▲ 0.50% · 4.625%
HK$110,947
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,784/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,859
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,121
−HK$3,313/mo
Today · 4.125%
HK$111,434
baseline
▲ 0.50% · 4.625%
HK$118,215
+HK$6,781/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,868/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,654
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,783
−HK$3,174/mo
Today · 4.125%
HK$122,957
baseline
▲ 0.50% · 4.625%
HK$129,438
+HK$6,481/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,914/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,819
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$139,012
−HK$4,261/mo
Today · 4.125%
HK$143,273
baseline
▲ 0.50% · 4.625%
HK$151,991
+HK$8,718/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,546/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,984
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$154,007
−HK$4,080/mo
Today · 4.125%
HK$158,087
baseline
▲ 0.50% · 4.625%
HK$166,420
+HK$8,333/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,174/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,991 · Scale 2, in force from 26 Feb 2026)