LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,388
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,044
−HK$2,698/mo
Today · 4.125%
HK$90,742
baseline
▲ 0.50% · 4.625%
HK$96,264
+HK$5,522/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$181,484/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,993
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,541
−HK$2,584/mo
Today · 4.125%
HK$100,125
baseline
▲ 0.50% · 4.625%
HK$105,403
+HK$5,278/mo
Deposit HK$18.72M · loan HK$18.72M · min. income ≈ HK$200,250/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,465
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,653
−HK$3,238/mo
Today · 4.125%
HK$108,891
baseline
▲ 0.50% · 4.625%
HK$115,517
+HK$6,626/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,782/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,992
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,049
−HK$3,101/mo
Today · 4.125%
HK$120,150
baseline
▲ 0.50% · 4.625%
HK$126,484
+HK$6,334/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,300/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,543
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,261
−HK$3,778/mo
Today · 4.125%
HK$127,039
baseline
▲ 0.50% · 4.625%
HK$134,769
+HK$7,730/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$254,078/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,990
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,557
−HK$3,618/mo
Today · 4.125%
HK$140,175
baseline
▲ 0.50% · 4.625%
HK$147,564
+HK$7,389/mo
Deposit HK$11.23M · loan HK$26.21M · min. income ≈ HK$280,350/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,698
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,479
−HK$4,857/mo
Today · 4.125%
HK$163,336
baseline
▲ 0.50% · 4.625%
HK$173,275
+HK$9,939/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$326,672/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,988
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,573
−HK$4,652/mo
Today · 4.125%
HK$180,225
baseline
▲ 0.50% · 4.625%
HK$189,725
+HK$9,500/mo
Deposit HK$3.74M · loan HK$33.70M · min. income ≈ HK$360,450/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,480 · Scale 2, in force from 26 Feb 2026)