LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,310
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,964
−HK$2,696/mo
Today · 4.125%
HK$90,660
baseline
▲ 0.50% · 4.625%
HK$96,177
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,320/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,907
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,452
−HK$2,583/mo
Today · 4.125%
HK$100,035
baseline
▲ 0.50% · 4.625%
HK$105,308
+HK$5,273/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,070/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,373
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,557
−HK$3,235/mo
Today · 4.125%
HK$108,792
baseline
▲ 0.50% · 4.625%
HK$115,412
+HK$6,620/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,584/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,888
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,943
−HK$3,098/mo
Today · 4.125%
HK$120,041
baseline
▲ 0.50% · 4.625%
HK$126,369
+HK$6,328/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,082/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,435
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,150
−HK$3,774/mo
Today · 4.125%
HK$126,924
baseline
▲ 0.50% · 4.625%
HK$134,647
+HK$7,723/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,848/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,870
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,433
−HK$3,615/mo
Today · 4.125%
HK$140,048
baseline
▲ 0.50% · 4.625%
HK$147,431
+HK$7,383/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,096/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,559
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,335
−HK$4,853/mo
Today · 4.125%
HK$163,188
baseline
▲ 0.50% · 4.625%
HK$173,118
+HK$9,930/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,376/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,833
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,414
−HK$4,648/mo
Today · 4.125%
HK$180,062
baseline
▲ 0.50% · 4.625%
HK$189,554
+HK$9,492/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,124/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,039 · Scale 2, in force from 26 Feb 2026)