LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,292
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,945
−HK$2,695/mo
Today · 4.125%
HK$90,640
baseline
▲ 0.50% · 4.625%
HK$96,156
+HK$5,516/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,280/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,886
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,431
−HK$2,582/mo
Today · 4.125%
HK$100,013
baseline
▲ 0.50% · 4.625%
HK$105,285
+HK$5,272/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,026/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,350
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,534
−HK$3,234/mo
Today · 4.125%
HK$108,768
baseline
▲ 0.50% · 4.625%
HK$115,387
+HK$6,619/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,536/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,864
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,917
−HK$3,098/mo
Today · 4.125%
HK$120,015
baseline
▲ 0.50% · 4.625%
HK$126,341
+HK$6,326/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,030/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,409
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,123
−HK$3,774/mo
Today · 4.125%
HK$126,897
baseline
▲ 0.50% · 4.625%
HK$134,618
+HK$7,721/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,794/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,841
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,404
−HK$3,614/mo
Today · 4.125%
HK$140,018
baseline
▲ 0.50% · 4.625%
HK$147,398
+HK$7,380/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,036/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,525
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$158,301
−HK$4,852/mo
Today · 4.125%
HK$163,153
baseline
▲ 0.50% · 4.625%
HK$173,080
+HK$9,927/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,306/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,795
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,376
−HK$4,647/mo
Today · 4.125%
HK$180,023
baseline
▲ 0.50% · 4.625%
HK$189,512
+HK$9,489/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$360,046/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,691 · Scale 2, in force from 26 Feb 2026)