LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,818
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,456
−HK$2,680/mo
Today · 4.125%
HK$90,136
baseline
▲ 0.50% · 4.625%
HK$95,621
+HK$5,485/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,272/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,359
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,889
−HK$2,568/mo
Today · 4.125%
HK$99,457
baseline
▲ 0.50% · 4.625%
HK$104,699
+HK$5,242/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,914/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,781
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,947
−HK$3,217/mo
Today · 4.125%
HK$108,164
baseline
▲ 0.50% · 4.625%
HK$114,745
+HK$6,581/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,328/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,230
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,267
−HK$3,081/mo
Today · 4.125%
HK$119,348
baseline
▲ 0.50% · 4.625%
HK$125,639
+HK$6,291/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,696/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,745
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,438
−HK$3,753/mo
Today · 4.125%
HK$126,191
baseline
▲ 0.50% · 4.625%
HK$133,869
+HK$7,678/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,382/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,102
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,645
−HK$3,594/mo
Today · 4.125%
HK$139,239
baseline
▲ 0.50% · 4.625%
HK$146,579
+HK$7,340/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,478/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,672
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$157,421
−HK$4,824/mo
Today · 4.125%
HK$162,245
baseline
▲ 0.50% · 4.625%
HK$172,118
+HK$9,873/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,490/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,846
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$174,401
−HK$4,621/mo
Today · 4.125%
HK$179,022
baseline
▲ 0.50% · 4.625%
HK$188,458
+HK$9,436/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,044/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,851 · Scale 2, in force from 26 Feb 2026)