LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,826
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,465
−HK$2,681/mo
Today · 4.125%
HK$90,146
baseline
▲ 0.50% · 4.625%
HK$95,631
+HK$5,485/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,292/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,368
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,899
−HK$2,568/mo
Today · 4.125%
HK$99,467
baseline
▲ 0.50% · 4.625%
HK$104,710
+HK$5,243/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,934/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,792
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,958
−HK$3,217/mo
Today · 4.125%
HK$108,175
baseline
▲ 0.50% · 4.625%
HK$114,757
+HK$6,582/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,350/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,242
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,279
−HK$3,081/mo
Today · 4.125%
HK$119,360
baseline
▲ 0.50% · 4.625%
HK$125,652
+HK$6,292/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,720/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,757
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,451
−HK$3,753/mo
Today · 4.125%
HK$126,204
baseline
▲ 0.50% · 4.625%
HK$133,883
+HK$7,679/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,408/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,116
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,659
−HK$3,595/mo
Today · 4.125%
HK$139,254
baseline
▲ 0.50% · 4.625%
HK$146,594
+HK$7,340/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,508/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,687
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$157,437
−HK$4,825/mo
Today · 4.125%
HK$162,262
baseline
▲ 0.50% · 4.625%
HK$172,135
+HK$9,873/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,524/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,863
−HK$9,177/mo
▼ 0.25% · 3.875%
HK$174,419
−HK$4,621/mo
Today · 4.125%
HK$179,040
baseline
▲ 0.50% · 4.625%
HK$188,478
+HK$9,438/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,080/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,014 · Scale 2, in force from 26 Feb 2026)