LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,823
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,462
−HK$2,680/mo
Today · 4.125%
HK$90,142
baseline
▲ 0.50% · 4.625%
HK$95,627
+HK$5,485/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,284/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,365
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,896
−HK$2,567/mo
Today · 4.125%
HK$99,463
baseline
▲ 0.50% · 4.625%
HK$104,706
+HK$5,243/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,926/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,788
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,954
−HK$3,217/mo
Today · 4.125%
HK$108,171
baseline
▲ 0.50% · 4.625%
HK$114,753
+HK$6,582/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,342/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,238
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,275
−HK$3,081/mo
Today · 4.125%
HK$119,356
baseline
▲ 0.50% · 4.625%
HK$125,647
+HK$6,291/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,712/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,752
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,446
−HK$3,753/mo
Today · 4.125%
HK$126,199
baseline
▲ 0.50% · 4.625%
HK$133,878
+HK$7,679/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,398/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,111
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,654
−HK$3,594/mo
Today · 4.125%
HK$139,248
baseline
▲ 0.50% · 4.625%
HK$146,588
+HK$7,340/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,496/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,682
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$157,431
−HK$4,825/mo
Today · 4.125%
HK$162,256
baseline
▲ 0.50% · 4.625%
HK$172,129
+HK$9,873/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,512/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,857
−HK$9,177/mo
▼ 0.25% · 3.875%
HK$174,412
−HK$4,622/mo
Today · 4.125%
HK$179,034
baseline
▲ 0.50% · 4.625%
HK$188,471
+HK$9,437/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,068/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,580,955 · Scale 2, in force from 26 Feb 2026)