LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,390
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,015
−HK$2,667/mo
Today · 4.125%
HK$89,682
baseline
▲ 0.50% · 4.625%
HK$95,139
+HK$5,457/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,364/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,883
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,401
−HK$2,554/mo
Today · 4.125%
HK$98,955
baseline
▲ 0.50% · 4.625%
HK$104,171
+HK$5,216/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,910/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,268
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,418
−HK$3,200/mo
Today · 4.125%
HK$107,618
baseline
▲ 0.50% · 4.625%
HK$114,167
+HK$6,549/mo
Deposit HK$14.80M · loan HK$22.21M · min. income ≈ HK$215,236/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,660
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,681
−HK$3,065/mo
Today · 4.125%
HK$118,746
baseline
▲ 0.50% · 4.625%
HK$125,005
+HK$6,259/mo
Deposit HK$14.80M · loan HK$22.21M · min. income ≈ HK$237,492/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,146
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$121,821
−HK$3,734/mo
Today · 4.125%
HK$125,555
baseline
▲ 0.50% · 4.625%
HK$133,194
+HK$7,639/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$251,110/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,436
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,961
−HK$3,576/mo
Today · 4.125%
HK$138,537
baseline
▲ 0.50% · 4.625%
HK$145,840
+HK$7,303/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$277,074/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,902
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,627
−HK$4,800/mo
Today · 4.125%
HK$161,427
baseline
▲ 0.50% · 4.625%
HK$171,250
+HK$9,823/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$322,854/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,989
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,521
−HK$4,598/mo
Today · 4.125%
HK$178,119
baseline
▲ 0.50% · 4.625%
HK$187,508
+HK$9,389/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$356,238/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,881 · Scale 2, in force from 26 Feb 2026)