LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,362
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,017
−HK$2,698/mo
Today · 4.125%
HK$90,715
baseline
▲ 0.50% · 4.625%
HK$96,234
+HK$5,519/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,430/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,964
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,511
−HK$2,584/mo
Today · 4.125%
HK$100,095
baseline
▲ 0.50% · 4.625%
HK$105,371
+HK$5,276/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,190/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,434
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,620
−HK$3,238/mo
Today · 4.125%
HK$108,858
baseline
▲ 0.50% · 4.625%
HK$115,481
+HK$6,623/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,716/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,957
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,013
−HK$3,101/mo
Today · 4.125%
HK$120,114
baseline
▲ 0.50% · 4.625%
HK$126,445
+HK$6,331/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,228/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,506
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,224
−HK$3,777/mo
Today · 4.125%
HK$127,001
baseline
▲ 0.50% · 4.625%
HK$134,728
+HK$7,727/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$254,002/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,950
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,515
−HK$3,618/mo
Today · 4.125%
HK$140,133
baseline
▲ 0.50% · 4.625%
HK$147,519
+HK$7,386/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,266/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,651
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,431
−HK$4,855/mo
Today · 4.125%
HK$163,286
baseline
▲ 0.50% · 4.625%
HK$173,222
+HK$9,936/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,572/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,935
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,520
−HK$4,650/mo
Today · 4.125%
HK$180,170
baseline
▲ 0.50% · 4.625%
HK$189,667
+HK$9,497/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,340/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,994 · Scale 2, in force from 26 Feb 2026)