LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,360
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,984
−HK$2,666/mo
Today · 4.125%
HK$89,650
baseline
▲ 0.50% · 4.625%
HK$95,105
+HK$5,455/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,300/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,850
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,367
−HK$2,553/mo
Today · 4.125%
HK$98,920
baseline
▲ 0.50% · 4.625%
HK$104,135
+HK$5,215/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,840/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,232
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,381
−HK$3,199/mo
Today · 4.125%
HK$107,580
baseline
▲ 0.50% · 4.625%
HK$114,126
+HK$6,546/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,160/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,620
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,640
−HK$3,064/mo
Today · 4.125%
HK$118,704
baseline
▲ 0.50% · 4.625%
HK$124,961
+HK$6,257/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,408/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,104
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$121,778
−HK$3,733/mo
Today · 4.125%
HK$125,511
baseline
▲ 0.50% · 4.625%
HK$133,148
+HK$7,637/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$251,022/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,390
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,914
−HK$3,574/mo
Today · 4.125%
HK$138,488
baseline
▲ 0.50% · 4.625%
HK$145,788
+HK$7,300/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$276,976/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,848
−HK$9,523/mo
▼ 0.25% · 3.875%
HK$156,572
−HK$4,799/mo
Today · 4.125%
HK$161,371
baseline
▲ 0.50% · 4.625%
HK$171,190
+HK$9,819/mo
Deposit HK$3.70M · loan HK$33.30M · min. income ≈ HK$322,742/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,930
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$173,460
−HK$4,597/mo
Today · 4.125%
HK$178,057
baseline
▲ 0.50% · 4.625%
HK$187,442
+HK$9,385/mo
Deposit HK$3.70M · loan HK$33.30M · min. income ≈ HK$356,114/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,328 · Scale 2, in force from 26 Feb 2026)