LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,396
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,052
−HK$2,699/mo
Today · 4.125%
HK$90,751
baseline
▲ 0.50% · 4.625%
HK$96,273
+HK$5,522/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$181,502/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,002
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,550
−HK$2,585/mo
Today · 4.125%
HK$100,135
baseline
▲ 0.50% · 4.625%
HK$105,413
+HK$5,278/mo
Deposit HK$18.73M · loan HK$18.73M · min. income ≈ HK$200,270/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,475
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,663
−HK$3,238/mo
Today · 4.125%
HK$108,901
baseline
▲ 0.50% · 4.625%
HK$115,528
+HK$6,627/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$217,802/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,003
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,060
−HK$3,102/mo
Today · 4.125%
HK$120,162
baseline
▲ 0.50% · 4.625%
HK$126,496
+HK$6,334/mo
Deposit HK$14.98M · loan HK$22.47M · min. income ≈ HK$240,324/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,554
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,273
−HK$3,779/mo
Today · 4.125%
HK$127,052
baseline
▲ 0.50% · 4.625%
HK$134,782
+HK$7,730/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$254,104/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,003
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,570
−HK$3,619/mo
Today · 4.125%
HK$140,189
baseline
▲ 0.50% · 4.625%
HK$147,578
+HK$7,389/mo
Deposit HK$11.24M · loan HK$26.22M · min. income ≈ HK$280,378/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,713
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$158,494
−HK$4,858/mo
Today · 4.125%
HK$163,352
baseline
▲ 0.50% · 4.625%
HK$173,292
+HK$9,940/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$326,704/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,004
−HK$9,239/mo
▼ 0.25% · 3.875%
HK$175,590
−HK$4,653/mo
Today · 4.125%
HK$180,243
baseline
▲ 0.50% · 4.625%
HK$189,744
+HK$9,501/mo
Deposit HK$3.75M · loan HK$33.71M · min. income ≈ HK$360,486/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$1,591,633 · Scale 2, in force from 26 Feb 2026)