LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,906
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,236
−HK$2,367/mo
Today · 4.125%
HK$79,603
baseline
▲ 0.50% · 4.625%
HK$84,447
+HK$4,844/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,206/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,332
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,567
−HK$2,267/mo
Today · 4.125%
HK$87,834
baseline
▲ 0.50% · 4.625%
HK$92,464
+HK$4,630/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,668/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,887
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,683
−HK$2,841/mo
Today · 4.125%
HK$95,524
baseline
▲ 0.50% · 4.625%
HK$101,336
+HK$5,812/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,048/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,999
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,680
−HK$2,721/mo
Today · 4.125%
HK$105,401
baseline
▲ 0.50% · 4.625%
HK$110,957
+HK$5,556/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,802/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,868
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,130
−HK$3,314/mo
Today · 4.125%
HK$111,444
baseline
▲ 0.50% · 4.625%
HK$118,226
+HK$6,782/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,888/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,665
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,794
−HK$3,174/mo
Today · 4.125%
HK$122,968
baseline
▲ 0.50% · 4.625%
HK$129,450
+HK$6,482/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,936/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,831
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,025
−HK$4,261/mo
Today · 4.125%
HK$143,286
baseline
▲ 0.50% · 4.625%
HK$152,004
+HK$8,718/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,572/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,998
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,021
−HK$4,081/mo
Today · 4.125%
HK$158,102
baseline
▲ 0.50% · 4.625%
HK$166,435
+HK$8,333/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,204/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,116 · Scale 2, in force from 26 Feb 2026)