LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,295
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,948
−HK$2,696/mo
Today · 4.125%
HK$90,644
baseline
▲ 0.50% · 4.625%
HK$96,159
+HK$5,515/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,288/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,890
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,435
−HK$2,581/mo
Today · 4.125%
HK$100,016
baseline
▲ 0.50% · 4.625%
HK$105,288
+HK$5,272/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,032/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,354
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,538
−HK$3,235/mo
Today · 4.125%
HK$108,773
baseline
▲ 0.50% · 4.625%
HK$115,391
+HK$6,618/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,546/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,868
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,922
−HK$3,098/mo
Today · 4.125%
HK$120,020
baseline
▲ 0.50% · 4.625%
HK$126,346
+HK$6,326/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,040/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,413
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,127
−HK$3,774/mo
Today · 4.125%
HK$126,901
baseline
▲ 0.50% · 4.625%
HK$134,623
+HK$7,722/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,802/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,846
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,409
−HK$3,614/mo
Today · 4.125%
HK$140,023
baseline
▲ 0.50% · 4.625%
HK$147,404
+HK$7,381/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,046/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,531
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$158,307
−HK$4,852/mo
Today · 4.125%
HK$163,159
baseline
▲ 0.50% · 4.625%
HK$173,087
+HK$9,928/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,318/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,802
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,383
−HK$4,647/mo
Today · 4.125%
HK$180,030
baseline
▲ 0.50% · 4.625%
HK$189,519
+HK$9,489/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,060/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,751 · Scale 2, in force from 26 Feb 2026)