LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,337
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,992
−HK$2,696/mo
Today · 4.125%
HK$90,688
baseline
▲ 0.50% · 4.625%
HK$96,207
+HK$5,519/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,376/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,937
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,483
−HK$2,583/mo
Today · 4.125%
HK$100,066
baseline
▲ 0.50% · 4.625%
HK$105,340
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,132/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,405
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,590
−HK$3,236/mo
Today · 4.125%
HK$108,826
baseline
▲ 0.50% · 4.625%
HK$115,448
+HK$6,622/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,652/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,924
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,979
−HK$3,100/mo
Today · 4.125%
HK$120,079
baseline
▲ 0.50% · 4.625%
HK$126,408
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,158/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,472
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,188
−HK$3,776/mo
Today · 4.125%
HK$126,964
baseline
▲ 0.50% · 4.625%
HK$134,689
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,928/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,911
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,476
−HK$3,616/mo
Today · 4.125%
HK$140,092
baseline
▲ 0.50% · 4.625%
HK$147,477
+HK$7,385/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,184/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,607
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$158,385
−HK$4,854/mo
Today · 4.125%
HK$163,239
baseline
▲ 0.50% · 4.625%
HK$173,172
+HK$9,933/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,478/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,886
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$175,469
−HK$4,649/mo
Today · 4.125%
HK$180,118
baseline
▲ 0.50% · 4.625%
HK$189,613
+HK$9,495/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,236/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,535 · Scale 2, in force from 26 Feb 2026)