LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,380
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,035
−HK$2,699/mo
Today · 4.125%
HK$90,734
baseline
▲ 0.50% · 4.625%
HK$96,255
+HK$5,521/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,468/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,984
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,531
−HK$2,585/mo
Today · 4.125%
HK$100,116
baseline
▲ 0.50% · 4.625%
HK$105,393
+HK$5,277/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,232/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,456
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,643
−HK$3,237/mo
Today · 4.125%
HK$108,880
baseline
▲ 0.50% · 4.625%
HK$115,506
+HK$6,626/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,760/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,981
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,038
−HK$3,101/mo
Today · 4.125%
HK$120,139
baseline
▲ 0.50% · 4.625%
HK$126,471
+HK$6,332/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,278/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,531
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,250
−HK$3,777/mo
Today · 4.125%
HK$127,027
baseline
▲ 0.50% · 4.625%
HK$134,756
+HK$7,729/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,054/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,978
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,544
−HK$3,618/mo
Today · 4.125%
HK$140,162
baseline
▲ 0.50% · 4.625%
HK$147,550
+HK$7,388/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,324/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,683
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,464
−HK$4,857/mo
Today · 4.125%
HK$163,321
baseline
▲ 0.50% · 4.625%
HK$173,258
+HK$9,937/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,642/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,971
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,557
−HK$4,651/mo
Today · 4.125%
HK$180,208
baseline
▲ 0.50% · 4.625%
HK$189,707
+HK$9,499/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,416/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,328 · Scale 2, in force from 26 Feb 2026)