LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,285
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,938
−HK$2,695/mo
Today · 4.125%
HK$90,633
baseline
▲ 0.50% · 4.625%
HK$96,148
+HK$5,515/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,266/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,879
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,423
−HK$2,582/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$105,276
+HK$5,271/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,342
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,525
−HK$3,235/mo
Today · 4.125%
HK$108,760
baseline
▲ 0.50% · 4.625%
HK$115,377
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,520/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,854
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,908
−HK$3,098/mo
Today · 4.125%
HK$120,006
baseline
▲ 0.50% · 4.625%
HK$126,331
+HK$6,325/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,012/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,399
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,113
−HK$3,773/mo
Today · 4.125%
HK$126,886
baseline
▲ 0.50% · 4.625%
HK$134,607
+HK$7,721/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,772/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,830
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,393
−HK$3,613/mo
Today · 4.125%
HK$140,006
baseline
▲ 0.50% · 4.625%
HK$147,386
+HK$7,380/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,012/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,513
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,288
−HK$4,851/mo
Today · 4.125%
HK$163,139
baseline
▲ 0.50% · 4.625%
HK$173,066
+HK$9,927/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,278/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,782
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,362
−HK$4,646/mo
Today · 4.125%
HK$180,008
baseline
▲ 0.50% · 4.625%
HK$189,497
+HK$9,489/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$360,016/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,563 · Scale 2, in force from 26 Feb 2026)