LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,349
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,003
−HK$2,698/mo
Today · 4.125%
HK$90,701
baseline
▲ 0.50% · 4.625%
HK$96,220
+HK$5,519/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,402/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,949
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,496
−HK$2,583/mo
Today · 4.125%
HK$100,079
baseline
▲ 0.50% · 4.625%
HK$105,355
+HK$5,276/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,158/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,418
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,604
−HK$3,237/mo
Today · 4.125%
HK$108,841
baseline
▲ 0.50% · 4.625%
HK$115,464
+HK$6,623/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,682/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,939
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,995
−HK$3,100/mo
Today · 4.125%
HK$120,095
baseline
▲ 0.50% · 4.625%
HK$126,426
+HK$6,331/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,190/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,488
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,205
−HK$3,776/mo
Today · 4.125%
HK$126,981
baseline
▲ 0.50% · 4.625%
HK$134,707
+HK$7,726/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,962/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,929
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,494
−HK$3,617/mo
Today · 4.125%
HK$140,111
baseline
▲ 0.50% · 4.625%
HK$147,496
+HK$7,385/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,222/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,627
−HK$9,634/mo
▼ 0.25% · 3.875%
HK$158,406
−HK$4,855/mo
Today · 4.125%
HK$163,261
baseline
▲ 0.50% · 4.625%
HK$173,195
+HK$9,934/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,522/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,909
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$175,493
−HK$4,650/mo
Today · 4.125%
HK$180,143
baseline
▲ 0.50% · 4.625%
HK$189,638
+HK$9,495/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,286/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,750 · Scale 2, in force from 26 Feb 2026)