LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,350
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,005
−HK$2,698/mo
Today · 4.125%
HK$90,703
baseline
▲ 0.50% · 4.625%
HK$96,222
+HK$5,519/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,406/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,951
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,498
−HK$2,583/mo
Today · 4.125%
HK$100,081
baseline
▲ 0.50% · 4.625%
HK$105,357
+HK$5,276/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,162/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,420
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,606
−HK$3,237/mo
Today · 4.125%
HK$108,843
baseline
▲ 0.50% · 4.625%
HK$115,466
+HK$6,623/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,686/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,942
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,998
−HK$3,100/mo
Today · 4.125%
HK$120,098
baseline
▲ 0.50% · 4.625%
HK$126,428
+HK$6,330/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,196/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,490
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,207
−HK$3,777/mo
Today · 4.125%
HK$126,984
baseline
▲ 0.50% · 4.625%
HK$134,710
+HK$7,726/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,968/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,932
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,497
−HK$3,617/mo
Today · 4.125%
HK$140,114
baseline
▲ 0.50% · 4.625%
HK$147,499
+HK$7,385/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,228/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,631
−HK$9,634/mo
▼ 0.25% · 3.875%
HK$158,409
−HK$4,856/mo
Today · 4.125%
HK$163,265
baseline
▲ 0.50% · 4.625%
HK$173,199
+HK$9,934/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,530/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,913
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$175,496
−HK$4,650/mo
Today · 4.125%
HK$180,146
baseline
▲ 0.50% · 4.625%
HK$189,642
+HK$9,496/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,292/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,782 · Scale 2, in force from 26 Feb 2026)