LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,343
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,997
−HK$2,697/mo
Today · 4.125%
HK$90,694
baseline
▲ 0.50% · 4.625%
HK$96,213
+HK$5,519/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,388/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,943
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,489
−HK$2,583/mo
Today · 4.125%
HK$100,072
baseline
▲ 0.50% · 4.625%
HK$105,347
+HK$5,275/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,144/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,411
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,597
−HK$3,236/mo
Today · 4.125%
HK$108,833
baseline
▲ 0.50% · 4.625%
HK$115,456
+HK$6,623/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,666/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,932
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,987
−HK$3,100/mo
Today · 4.125%
HK$120,087
baseline
▲ 0.50% · 4.625%
HK$126,417
+HK$6,330/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,174/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,480
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,196
−HK$3,776/mo
Today · 4.125%
HK$126,972
baseline
▲ 0.50% · 4.625%
HK$134,698
+HK$7,726/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,944/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,920
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,485
−HK$3,616/mo
Today · 4.125%
HK$140,101
baseline
▲ 0.50% · 4.625%
HK$147,486
+HK$7,385/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,202/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,617
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$158,395
−HK$4,855/mo
Today · 4.125%
HK$163,250
baseline
▲ 0.50% · 4.625%
HK$173,183
+HK$9,933/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,500/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,897
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$175,481
−HK$4,649/mo
Today · 4.125%
HK$180,130
baseline
▲ 0.50% · 4.625%
HK$189,625
+HK$9,495/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,260/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,640 · Scale 2, in force from 26 Feb 2026)