LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,300
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,953
−HK$2,696/mo
Today · 4.125%
HK$90,649
baseline
▲ 0.50% · 4.625%
HK$96,165
+HK$5,516/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,298/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,895
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,440
−HK$2,582/mo
Today · 4.125%
HK$100,022
baseline
▲ 0.50% · 4.625%
HK$105,295
+HK$5,273/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,044/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,360
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,544
−HK$3,235/mo
Today · 4.125%
HK$108,779
baseline
▲ 0.50% · 4.625%
HK$115,398
+HK$6,619/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,558/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,874
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,929
−HK$3,098/mo
Today · 4.125%
HK$120,027
baseline
▲ 0.50% · 4.625%
HK$126,354
+HK$6,327/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,054/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,420
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,135
−HK$3,774/mo
Today · 4.125%
HK$126,909
baseline
▲ 0.50% · 4.625%
HK$134,631
+HK$7,722/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,818/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,854
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,417
−HK$3,614/mo
Today · 4.125%
HK$140,031
baseline
▲ 0.50% · 4.625%
HK$147,412
+HK$7,381/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,062/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,540
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$158,316
−HK$4,852/mo
Today · 4.125%
HK$163,168
baseline
▲ 0.50% · 4.625%
HK$173,097
+HK$9,929/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,336/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,812
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,393
−HK$4,647/mo
Today · 4.125%
HK$180,040
baseline
▲ 0.50% · 4.625%
HK$189,530
+HK$9,490/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,080/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,844 · Scale 2, in force from 26 Feb 2026)