LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,365
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,020
−HK$2,698/mo
Today · 4.125%
HK$90,718
baseline
▲ 0.50% · 4.625%
HK$96,238
+HK$5,520/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,436/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,968
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,515
−HK$2,583/mo
Today · 4.125%
HK$100,098
baseline
▲ 0.50% · 4.625%
HK$105,375
+HK$5,277/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,196/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,438
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,624
−HK$3,238/mo
Today · 4.125%
HK$108,862
baseline
▲ 0.50% · 4.625%
HK$115,486
+HK$6,624/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,724/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,961
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,018
−HK$3,100/mo
Today · 4.125%
HK$120,118
baseline
▲ 0.50% · 4.625%
HK$126,450
+HK$6,332/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,236/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,511
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,228
−HK$3,777/mo
Today · 4.125%
HK$127,005
baseline
▲ 0.50% · 4.625%
HK$134,733
+HK$7,728/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,010/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,955
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,520
−HK$3,618/mo
Today · 4.125%
HK$140,138
baseline
▲ 0.50% · 4.625%
HK$147,525
+HK$7,387/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,276/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,657
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,436
−HK$4,856/mo
Today · 4.125%
HK$163,292
baseline
▲ 0.50% · 4.625%
HK$173,228
+HK$9,936/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,584/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,942
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,526
−HK$4,651/mo
Today · 4.125%
HK$180,177
baseline
▲ 0.50% · 4.625%
HK$189,675
+HK$9,498/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,354/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,591,053 · Scale 2, in force from 26 Feb 2026)