LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,932
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,263
−HK$2,368/mo
Today · 4.125%
HK$79,631
baseline
▲ 0.50% · 4.625%
HK$84,477
+HK$4,846/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,262/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,362
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,597
−HK$2,268/mo
Today · 4.125%
HK$87,865
baseline
▲ 0.50% · 4.625%
HK$92,497
+HK$4,632/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,730/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,919
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,716
−HK$2,842/mo
Today · 4.125%
HK$95,558
baseline
▲ 0.50% · 4.625%
HK$101,372
+HK$5,814/mo
Deposit HK$13.14M · loan HK$19.72M · min. income ≈ HK$191,116/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,034
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,717
−HK$2,721/mo
Today · 4.125%
HK$105,438
baseline
▲ 0.50% · 4.625%
HK$110,996
+HK$5,558/mo
Deposit HK$13.14M · loan HK$19.72M · min. income ≈ HK$210,876/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,905
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,169
−HK$3,315/mo
Today · 4.125%
HK$111,484
baseline
▲ 0.50% · 4.625%
HK$118,267
+HK$6,783/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,968/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,706
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,836
−HK$3,175/mo
Today · 4.125%
HK$123,011
baseline
▲ 0.50% · 4.625%
HK$129,496
+HK$6,485/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$246,022/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,878
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,074
−HK$4,262/mo
Today · 4.125%
HK$143,336
baseline
▲ 0.50% · 4.625%
HK$152,058
+HK$8,722/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,672/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,051
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,075
−HK$4,083/mo
Today · 4.125%
HK$158,158
baseline
▲ 0.50% · 4.625%
HK$166,494
+HK$8,336/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,316/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,610 · Scale 2, in force from 26 Feb 2026)