LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,387
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,012
−HK$2,667/mo
Today · 4.125%
HK$89,679
baseline
▲ 0.50% · 4.625%
HK$95,135
+HK$5,456/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,358/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,879
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,397
−HK$2,554/mo
Today · 4.125%
HK$98,951
baseline
▲ 0.50% · 4.625%
HK$104,167
+HK$5,216/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,902/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,264
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,414
−HK$3,200/mo
Today · 4.125%
HK$107,614
baseline
▲ 0.50% · 4.625%
HK$114,162
+HK$6,548/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,228/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,655
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,677
−HK$3,065/mo
Today · 4.125%
HK$118,742
baseline
▲ 0.50% · 4.625%
HK$125,001
+HK$6,259/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,484/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,142
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,816
−HK$3,734/mo
Today · 4.125%
HK$125,550
baseline
▲ 0.50% · 4.625%
HK$133,189
+HK$7,639/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$251,100/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,431
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,956
−HK$3,576/mo
Today · 4.125%
HK$138,532
baseline
▲ 0.50% · 4.625%
HK$145,834
+HK$7,302/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$277,064/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,896
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,621
−HK$4,800/mo
Today · 4.125%
HK$161,421
baseline
▲ 0.50% · 4.625%
HK$171,244
+HK$9,823/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$322,842/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,983
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,515
−HK$4,598/mo
Today · 4.125%
HK$178,113
baseline
▲ 0.50% · 4.625%
HK$187,501
+HK$9,388/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$356,226/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,823 · Scale 2, in force from 26 Feb 2026)