LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,331
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,985
−HK$2,697/mo
Today · 4.125%
HK$90,682
baseline
▲ 0.50% · 4.625%
HK$96,199
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,364/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,929
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,475
−HK$2,583/mo
Today · 4.125%
HK$100,058
baseline
▲ 0.50% · 4.625%
HK$105,332
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,116/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,397
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,582
−HK$3,236/mo
Today · 4.125%
HK$108,818
baseline
▲ 0.50% · 4.625%
HK$115,439
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,636/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,915
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,970
−HK$3,100/mo
Today · 4.125%
HK$120,070
baseline
▲ 0.50% · 4.625%
HK$126,399
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,140/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,463
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,179
−HK$3,775/mo
Today · 4.125%
HK$126,954
baseline
▲ 0.50% · 4.625%
HK$134,679
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,908/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,901
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,466
−HK$3,615/mo
Today · 4.125%
HK$140,081
baseline
▲ 0.50% · 4.625%
HK$147,465
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,162/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,595
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$158,373
−HK$4,854/mo
Today · 4.125%
HK$163,227
baseline
▲ 0.50% · 4.625%
HK$173,159
+HK$9,932/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,454/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,873
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$175,456
−HK$4,649/mo
Today · 4.125%
HK$180,105
baseline
▲ 0.50% · 4.625%
HK$189,598
+HK$9,493/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,210/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,414 · Scale 2, in force from 26 Feb 2026)