LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,386
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,042
−HK$2,698/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$96,262
+HK$5,522/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,991
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,539
−HK$2,584/mo
Today · 4.125%
HK$100,123
baseline
▲ 0.50% · 4.625%
HK$105,401
+HK$5,278/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,246/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,463
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,650
−HK$3,239/mo
Today · 4.125%
HK$108,889
baseline
▲ 0.50% · 4.625%
HK$115,514
+HK$6,625/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,778/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,989
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,046
−HK$3,102/mo
Today · 4.125%
HK$120,148
baseline
▲ 0.50% · 4.625%
HK$126,481
+HK$6,333/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,296/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,540
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,259
−HK$3,778/mo
Today · 4.125%
HK$127,037
baseline
▲ 0.50% · 4.625%
HK$134,766
+HK$7,729/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,074/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,987
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,554
−HK$3,618/mo
Today · 4.125%
HK$140,172
baseline
▲ 0.50% · 4.625%
HK$147,561
+HK$7,389/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,344/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,695
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,476
−HK$4,857/mo
Today · 4.125%
HK$163,333
baseline
▲ 0.50% · 4.625%
HK$173,271
+HK$9,938/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,666/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,984
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$175,570
−HK$4,652/mo
Today · 4.125%
HK$180,222
baseline
▲ 0.50% · 4.625%
HK$189,721
+HK$9,499/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,444/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,446 · Scale 2, in force from 26 Feb 2026)