LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,099
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,653
−HK$2,595/mo
Today · 4.125%
HK$87,248
baseline
▲ 0.50% · 4.625%
HK$92,557
+HK$5,309/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$174,496/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,335
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,784
−HK$2,485/mo
Today · 4.125%
HK$96,269
baseline
▲ 0.50% · 4.625%
HK$101,344
+HK$5,075/mo
Deposit HK$18.00M · loan HK$18.00M · min. income ≈ HK$192,538/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,519
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,584
−HK$3,113/mo
Today · 4.125%
HK$104,697
baseline
▲ 0.50% · 4.625%
HK$111,068
+HK$6,371/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$209,394/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,602
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,541
−HK$2,982/mo
Today · 4.125%
HK$115,523
baseline
▲ 0.50% · 4.625%
HK$121,613
+HK$6,090/mo
Deposit HK$14.40M · loan HK$21.60M · min. income ≈ HK$231,046/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,939
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,514
−HK$3,633/mo
Today · 4.125%
HK$122,147
baseline
▲ 0.50% · 4.625%
HK$129,579
+HK$7,432/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$244,294/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,869
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$131,298
−HK$3,479/mo
Today · 4.125%
HK$134,777
baseline
▲ 0.50% · 4.625%
HK$141,881
+HK$7,104/mo
Deposit HK$10.80M · loan HK$25.20M · min. income ≈ HK$269,554/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,779
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$152,376
−HK$4,670/mo
Today · 4.125%
HK$157,046
baseline
▲ 0.50% · 4.625%
HK$166,602
+HK$9,556/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$314,092/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,403
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$168,812
−HK$4,473/mo
Today · 4.125%
HK$173,285
baseline
▲ 0.50% · 4.625%
HK$182,419
+HK$9,134/mo
Deposit HK$3.60M · loan HK$32.40M · min. income ≈ HK$346,570/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,191 · Scale 2, in force from 26 Feb 2026)