LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,286
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,939
−HK$2,695/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$96,149
+HK$5,515/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,880
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,424
−HK$2,582/mo
Today · 4.125%
HK$100,006
baseline
▲ 0.50% · 4.625%
HK$105,277
+HK$5,271/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,012/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,343
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,526
−HK$3,235/mo
Today · 4.125%
HK$108,761
baseline
▲ 0.50% · 4.625%
HK$115,379
+HK$6,618/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,522/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,856
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,909
−HK$3,098/mo
Today · 4.125%
HK$120,007
baseline
▲ 0.50% · 4.625%
HK$126,333
+HK$6,326/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,014/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,400
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,114
−HK$3,774/mo
Today · 4.125%
HK$126,888
baseline
▲ 0.50% · 4.625%
HK$134,608
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,776/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,831
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,394
−HK$3,614/mo
Today · 4.125%
HK$140,008
baseline
▲ 0.50% · 4.625%
HK$147,388
+HK$7,380/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,016/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,514
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,290
−HK$4,851/mo
Today · 4.125%
HK$163,141
baseline
▲ 0.50% · 4.625%
HK$173,068
+HK$9,927/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,282/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,783
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$175,364
−HK$4,646/mo
Today · 4.125%
HK$180,010
baseline
▲ 0.50% · 4.625%
HK$189,499
+HK$9,489/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$360,020/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,579 · Scale 2, in force from 26 Feb 2026)