LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,320
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,974
−HK$2,696/mo
Today · 4.125%
HK$90,670
baseline
▲ 0.50% · 4.625%
HK$96,187
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,340/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,918
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,463
−HK$2,583/mo
Today · 4.125%
HK$100,046
baseline
▲ 0.50% · 4.625%
HK$105,319
+HK$5,273/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,092/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,384
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,569
−HK$3,235/mo
Today · 4.125%
HK$108,804
baseline
▲ 0.50% · 4.625%
HK$115,425
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,608/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,901
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,956
−HK$3,099/mo
Today · 4.125%
HK$120,055
baseline
▲ 0.50% · 4.625%
HK$126,383
+HK$6,328/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,110/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,448
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,163
−HK$3,775/mo
Today · 4.125%
HK$126,938
baseline
▲ 0.50% · 4.625%
HK$134,662
+HK$7,724/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$253,876/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,885
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,448
−HK$3,616/mo
Today · 4.125%
HK$140,064
baseline
▲ 0.50% · 4.625%
HK$147,447
+HK$7,383/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$280,128/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,576
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$158,353
−HK$4,853/mo
Today · 4.125%
HK$163,206
baseline
▲ 0.50% · 4.625%
HK$173,137
+HK$9,931/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,412/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,852
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,434
−HK$4,648/mo
Today · 4.125%
HK$180,082
baseline
▲ 0.50% · 4.625%
HK$189,575
+HK$9,493/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,164/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,215 · Scale 2, in force from 26 Feb 2026)