LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,368
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,024
−HK$2,698/mo
Today · 4.125%
HK$90,722
baseline
▲ 0.50% · 4.625%
HK$96,242
+HK$5,520/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,444/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,971
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,519
−HK$2,584/mo
Today · 4.125%
HK$100,103
baseline
▲ 0.50% · 4.625%
HK$105,379
+HK$5,276/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,206/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,442
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,629
−HK$3,237/mo
Today · 4.125%
HK$108,866
baseline
▲ 0.50% · 4.625%
HK$115,490
+HK$6,624/mo
Deposit HK$14.98M · loan HK$22.46M · min. income ≈ HK$217,732/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,966
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,022
−HK$3,101/mo
Today · 4.125%
HK$120,123
baseline
▲ 0.50% · 4.625%
HK$126,455
+HK$6,332/mo
Deposit HK$14.98M · loan HK$22.46M · min. income ≈ HK$240,246/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,516
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,233
−HK$3,777/mo
Today · 4.125%
HK$127,010
baseline
▲ 0.50% · 4.625%
HK$134,739
+HK$7,729/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,020/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,960
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,526
−HK$3,618/mo
Today · 4.125%
HK$140,144
baseline
▲ 0.50% · 4.625%
HK$147,531
+HK$7,387/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,288/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,663
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$158,443
−HK$4,856/mo
Today · 4.125%
HK$163,299
baseline
▲ 0.50% · 4.625%
HK$173,236
+HK$9,937/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$326,598/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,949
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$175,533
−HK$4,652/mo
Today · 4.125%
HK$180,185
baseline
▲ 0.50% · 4.625%
HK$189,682
+HK$9,497/mo
Deposit HK$3.74M · loan HK$33.69M · min. income ≈ HK$360,370/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,591,119 · Scale 2, in force from 26 Feb 2026)