LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,366
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,021
−HK$2,698/mo
Today · 4.125%
HK$90,719
baseline
▲ 0.50% · 4.625%
HK$96,239
+HK$5,520/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,438/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,969
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,516
−HK$2,584/mo
Today · 4.125%
HK$100,100
baseline
▲ 0.50% · 4.625%
HK$105,376
+HK$5,276/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,200/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,439
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,626
−HK$3,237/mo
Today · 4.125%
HK$108,863
baseline
▲ 0.50% · 4.625%
HK$115,487
+HK$6,624/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,726/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,963
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,019
−HK$3,101/mo
Today · 4.125%
HK$120,120
baseline
▲ 0.50% · 4.625%
HK$126,451
+HK$6,331/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,240/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,512
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,230
−HK$3,777/mo
Today · 4.125%
HK$127,007
baseline
▲ 0.50% · 4.625%
HK$134,735
+HK$7,728/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,014/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,956
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,522
−HK$3,618/mo
Today · 4.125%
HK$140,140
baseline
▲ 0.50% · 4.625%
HK$147,527
+HK$7,387/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,280/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,659
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$158,439
−HK$4,856/mo
Today · 4.125%
HK$163,295
baseline
▲ 0.50% · 4.625%
HK$173,231
+HK$9,936/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,590/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,944
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$175,529
−HK$4,651/mo
Today · 4.125%
HK$180,180
baseline
▲ 0.50% · 4.625%
HK$189,677
+HK$9,497/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,360/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,591,075 · Scale 2, in force from 26 Feb 2026)