LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,289
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,942
−HK$2,696/mo
Today · 4.125%
HK$90,638
baseline
▲ 0.50% · 4.625%
HK$96,153
+HK$5,515/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,276/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,884
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,428
−HK$2,582/mo
Today · 4.125%
HK$100,010
baseline
▲ 0.50% · 4.625%
HK$105,282
+HK$5,272/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,020/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,347
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,531
−HK$3,234/mo
Today · 4.125%
HK$108,765
baseline
▲ 0.50% · 4.625%
HK$115,383
+HK$6,618/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,530/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,860
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,914
−HK$3,098/mo
Today · 4.125%
HK$120,012
baseline
▲ 0.50% · 4.625%
HK$126,338
+HK$6,326/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,024/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,405
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,119
−HK$3,774/mo
Today · 4.125%
HK$126,893
baseline
▲ 0.50% · 4.625%
HK$134,614
+HK$7,721/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,786/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,837
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,400
−HK$3,614/mo
Today · 4.125%
HK$140,014
baseline
▲ 0.50% · 4.625%
HK$147,394
+HK$7,380/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,028/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,521
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,296
−HK$4,852/mo
Today · 4.125%
HK$163,148
baseline
▲ 0.50% · 4.625%
HK$173,075
+HK$9,927/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,296/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,790
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,371
−HK$4,647/mo
Today · 4.125%
HK$180,018
baseline
▲ 0.50% · 4.625%
HK$189,507
+HK$9,489/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$360,036/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,646 · Scale 2, in force from 26 Feb 2026)