LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,334
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,989
−HK$2,697/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$5,518/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,480
−HK$2,583/mo
Today · 4.125%
HK$100,063
baseline
▲ 0.50% · 4.625%
HK$105,337
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,126/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,401
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,586
−HK$3,237/mo
Today · 4.125%
HK$108,823
baseline
▲ 0.50% · 4.625%
HK$115,444
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,646/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,920
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,976
−HK$3,099/mo
Today · 4.125%
HK$120,075
baseline
▲ 0.50% · 4.625%
HK$126,404
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,150/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,468
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,184
−HK$3,776/mo
Today · 4.125%
HK$126,960
baseline
▲ 0.50% · 4.625%
HK$134,685
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,920/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,907
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,472
−HK$3,616/mo
Today · 4.125%
HK$140,088
baseline
▲ 0.50% · 4.625%
HK$147,472
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,176/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,602
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$158,380
−HK$4,854/mo
Today · 4.125%
HK$163,234
baseline
▲ 0.50% · 4.625%
HK$173,166
+HK$9,932/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,468/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,880
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$175,463
−HK$4,650/mo
Today · 4.125%
HK$180,113
baseline
▲ 0.50% · 4.625%
HK$189,607
+HK$9,494/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,226/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,484 · Scale 2, in force from 26 Feb 2026)