LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,804
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,441
−HK$2,680/mo
Today · 4.125%
HK$90,121
baseline
▲ 0.50% · 4.625%
HK$95,605
+HK$5,484/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,242/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,343
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,873
−HK$2,567/mo
Today · 4.125%
HK$99,440
baseline
▲ 0.50% · 4.625%
HK$104,682
+HK$5,242/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,880/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,764
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,930
−HK$3,216/mo
Today · 4.125%
HK$108,146
baseline
▲ 0.50% · 4.625%
HK$114,726
+HK$6,580/mo
Deposit HK$14.88M · loan HK$22.31M · min. income ≈ HK$216,292/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,212
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,248
−HK$3,080/mo
Today · 4.125%
HK$119,328
baseline
▲ 0.50% · 4.625%
HK$125,618
+HK$6,290/mo
Deposit HK$14.88M · loan HK$22.31M · min. income ≈ HK$238,656/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,725
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,418
−HK$3,752/mo
Today · 4.125%
HK$126,170
baseline
▲ 0.50% · 4.625%
HK$133,847
+HK$7,677/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$252,340/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,080
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,623
−HK$3,593/mo
Today · 4.125%
HK$139,216
baseline
▲ 0.50% · 4.625%
HK$146,555
+HK$7,339/mo
Deposit HK$11.16M · loan HK$26.03M · min. income ≈ HK$278,432/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,646
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$157,395
−HK$4,824/mo
Today · 4.125%
HK$162,219
baseline
▲ 0.50% · 4.625%
HK$172,089
+HK$9,870/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$324,438/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,818
−HK$9,174/mo
▼ 0.25% · 3.875%
HK$174,372
−HK$4,620/mo
Today · 4.125%
HK$178,992
baseline
▲ 0.50% · 4.625%
HK$188,427
+HK$9,435/mo
Deposit HK$3.72M · loan HK$33.47M · min. income ≈ HK$357,984/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,591 · Scale 2, in force from 26 Feb 2026)