LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,377
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,032
−HK$2,699/mo
Today · 4.125%
HK$90,731
baseline
▲ 0.50% · 4.625%
HK$96,251
+HK$5,520/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,462/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,981
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,528
−HK$2,584/mo
Today · 4.125%
HK$100,112
baseline
▲ 0.50% · 4.625%
HK$105,389
+HK$5,277/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,224/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,452
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,639
−HK$3,238/mo
Today · 4.125%
HK$108,877
baseline
▲ 0.50% · 4.625%
HK$115,502
+HK$6,625/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,754/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,977
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,034
−HK$3,101/mo
Today · 4.125%
HK$120,135
baseline
▲ 0.50% · 4.625%
HK$126,467
+HK$6,332/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,270/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,527
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,245
−HK$3,778/mo
Today · 4.125%
HK$127,023
baseline
▲ 0.50% · 4.625%
HK$134,752
+HK$7,729/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,046/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,973
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,539
−HK$3,618/mo
Today · 4.125%
HK$140,157
baseline
▲ 0.50% · 4.625%
HK$147,545
+HK$7,388/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,314/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,678
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$158,458
−HK$4,857/mo
Today · 4.125%
HK$163,315
baseline
▲ 0.50% · 4.625%
HK$173,252
+HK$9,937/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,630/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,965
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,551
−HK$4,651/mo
Today · 4.125%
HK$180,202
baseline
▲ 0.50% · 4.625%
HK$189,701
+HK$9,499/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,404/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,274 · Scale 2, in force from 26 Feb 2026)