LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,952
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,283
−HK$2,369/mo
Today · 4.125%
HK$79,652
baseline
▲ 0.50% · 4.625%
HK$84,499
+HK$4,847/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,304/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,383
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,620
−HK$2,268/mo
Today · 4.125%
HK$87,888
baseline
▲ 0.50% · 4.625%
HK$92,521
+HK$4,633/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,776/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,942
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,740
−HK$2,842/mo
Today · 4.125%
HK$95,582
baseline
▲ 0.50% · 4.625%
HK$101,398
+HK$5,816/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,164/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,060
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,743
−HK$2,723/mo
Today · 4.125%
HK$105,466
baseline
▲ 0.50% · 4.625%
HK$111,025
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,932/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,933
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,197
−HK$3,316/mo
Today · 4.125%
HK$111,513
baseline
▲ 0.50% · 4.625%
HK$118,298
+HK$6,785/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,026/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,736
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,867
−HK$3,176/mo
Today · 4.125%
HK$123,043
baseline
▲ 0.50% · 4.625%
HK$129,529
+HK$6,486/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,086/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,913
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,110
−HK$4,264/mo
Today · 4.125%
HK$143,374
baseline
▲ 0.50% · 4.625%
HK$152,098
+HK$8,724/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,748/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,090
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,115
−HK$4,084/mo
Today · 4.125%
HK$158,199
baseline
▲ 0.50% · 4.625%
HK$166,538
+HK$8,339/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,398/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,973 · Scale 2, in force from 26 Feb 2026)