LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,954
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,285
−HK$2,369/mo
Today · 4.125%
HK$79,654
baseline
▲ 0.50% · 4.625%
HK$84,501
+HK$4,847/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$159,308/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,385
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,622
−HK$2,269/mo
Today · 4.125%
HK$87,891
baseline
▲ 0.50% · 4.625%
HK$92,523
+HK$4,632/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$175,782/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,945
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,743
−HK$2,842/mo
Today · 4.125%
HK$95,585
baseline
▲ 0.50% · 4.625%
HK$101,401
+HK$5,816/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,170/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,063
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,746
−HK$2,723/mo
Today · 4.125%
HK$105,469
baseline
▲ 0.50% · 4.625%
HK$111,028
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,938/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,935
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,200
−HK$3,316/mo
Today · 4.125%
HK$111,516
baseline
▲ 0.50% · 4.625%
HK$118,301
+HK$6,785/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,032/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,740
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,871
−HK$3,176/mo
Today · 4.125%
HK$123,047
baseline
▲ 0.50% · 4.625%
HK$129,533
+HK$6,486/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,094/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,917
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,114
−HK$4,264/mo
Today · 4.125%
HK$143,378
baseline
▲ 0.50% · 4.625%
HK$152,102
+HK$8,724/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,756/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,094
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,119
−HK$4,084/mo
Today · 4.125%
HK$158,203
baseline
▲ 0.50% · 4.625%
HK$166,542
+HK$8,339/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,406/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,397,011 · Scale 2, in force from 26 Feb 2026)