LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,927
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,258
−HK$2,368/mo
Today · 4.125%
HK$79,626
baseline
▲ 0.50% · 4.625%
HK$84,471
+HK$4,845/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,252/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,356
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,591
−HK$2,268/mo
Today · 4.125%
HK$87,859
baseline
▲ 0.50% · 4.625%
HK$92,490
+HK$4,631/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,718/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,913
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,710
−HK$2,841/mo
Today · 4.125%
HK$95,551
baseline
▲ 0.50% · 4.625%
HK$101,365
+HK$5,814/mo
Deposit HK$13.14M · loan HK$19.72M · min. income ≈ HK$191,102/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,027
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,710
−HK$2,721/mo
Today · 4.125%
HK$105,431
baseline
▲ 0.50% · 4.625%
HK$110,989
+HK$5,558/mo
Deposit HK$13.14M · loan HK$19.72M · min. income ≈ HK$210,862/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,898
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,161
−HK$3,315/mo
Today · 4.125%
HK$111,476
baseline
▲ 0.50% · 4.625%
HK$118,259
+HK$6,783/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,952/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,698
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,828
−HK$3,175/mo
Today · 4.125%
HK$123,003
baseline
▲ 0.50% · 4.625%
HK$129,487
+HK$6,484/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$246,006/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,869
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,064
−HK$4,263/mo
Today · 4.125%
HK$143,327
baseline
▲ 0.50% · 4.625%
HK$152,048
+HK$8,721/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$286,654/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,041
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$154,065
−HK$4,082/mo
Today · 4.125%
HK$158,147
baseline
▲ 0.50% · 4.625%
HK$166,483
+HK$8,336/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$316,294/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,514 · Scale 2, in force from 26 Feb 2026)