LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,322
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,976
−HK$2,696/mo
Today · 4.125%
HK$90,672
baseline
▲ 0.50% · 4.625%
HK$96,189
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,344/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,920
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,465
−HK$2,583/mo
Today · 4.125%
HK$100,048
baseline
▲ 0.50% · 4.625%
HK$105,321
+HK$5,273/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,096/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,386
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,571
−HK$3,236/mo
Today · 4.125%
HK$108,807
baseline
▲ 0.50% · 4.625%
HK$115,427
+HK$6,620/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,614/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,903
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,958
−HK$3,099/mo
Today · 4.125%
HK$120,057
baseline
▲ 0.50% · 4.625%
HK$126,386
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,114/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,450
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,166
−HK$3,775/mo
Today · 4.125%
HK$126,941
baseline
▲ 0.50% · 4.625%
HK$134,665
+HK$7,724/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$253,882/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,887
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,451
−HK$3,616/mo
Today · 4.125%
HK$140,067
baseline
▲ 0.50% · 4.625%
HK$147,450
+HK$7,383/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$280,134/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,579
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,356
−HK$4,854/mo
Today · 4.125%
HK$163,210
baseline
▲ 0.50% · 4.625%
HK$173,141
+HK$9,931/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,420/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,855
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,437
−HK$4,649/mo
Today · 4.125%
HK$180,086
baseline
▲ 0.50% · 4.625%
HK$189,578
+HK$9,492/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,172/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,247 · Scale 2, in force from 26 Feb 2026)