LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,474
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,102
−HK$2,670/mo
Today · 4.125%
HK$89,772
baseline
▲ 0.50% · 4.625%
HK$95,234
+HK$5,462/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,544/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,977
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,497
−HK$2,557/mo
Today · 4.125%
HK$99,054
baseline
▲ 0.50% · 4.625%
HK$104,275
+HK$5,221/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,108/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,369
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,522
−HK$3,204/mo
Today · 4.125%
HK$107,726
baseline
▲ 0.50% · 4.625%
HK$114,281
+HK$6,555/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,452/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,772
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,797
−HK$3,068/mo
Today · 4.125%
HK$118,865
baseline
▲ 0.50% · 4.625%
HK$125,130
+HK$6,265/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,730/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,264
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,943
−HK$3,737/mo
Today · 4.125%
HK$125,680
baseline
▲ 0.50% · 4.625%
HK$133,328
+HK$7,648/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,360/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,568
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,096
−HK$3,580/mo
Today · 4.125%
HK$138,676
baseline
▲ 0.50% · 4.625%
HK$145,985
+HK$7,309/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,352/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,054
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,783
−HK$4,806/mo
Today · 4.125%
HK$161,589
baseline
▲ 0.50% · 4.625%
HK$171,421
+HK$9,832/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,178/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,158
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$173,695
−HK$4,602/mo
Today · 4.125%
HK$178,297
baseline
▲ 0.50% · 4.625%
HK$187,696
+HK$9,399/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,594/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,454 · Scale 2, in force from 26 Feb 2026)