LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,827
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,466
−HK$2,681/mo
Today · 4.125%
HK$90,147
baseline
▲ 0.50% · 4.625%
HK$95,632
+HK$5,485/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,294/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,369
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,900
−HK$2,568/mo
Today · 4.125%
HK$99,468
baseline
▲ 0.50% · 4.625%
HK$104,711
+HK$5,243/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,936/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,793
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,959
−HK$3,217/mo
Today · 4.125%
HK$108,176
baseline
▲ 0.50% · 4.625%
HK$114,758
+HK$6,582/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,352/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,243
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,280
−HK$3,081/mo
Today · 4.125%
HK$119,361
baseline
▲ 0.50% · 4.625%
HK$125,653
+HK$6,292/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,722/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,758
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,452
−HK$3,753/mo
Today · 4.125%
HK$126,205
baseline
▲ 0.50% · 4.625%
HK$133,884
+HK$7,679/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,410/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,117
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,660
−HK$3,595/mo
Today · 4.125%
HK$139,255
baseline
▲ 0.50% · 4.625%
HK$146,595
+HK$7,340/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,510/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,689
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$157,438
−HK$4,826/mo
Today · 4.125%
HK$162,264
baseline
▲ 0.50% · 4.625%
HK$172,137
+HK$9,873/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,528/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,865
−HK$9,177/mo
▼ 0.25% · 3.875%
HK$174,420
−HK$4,622/mo
Today · 4.125%
HK$179,042
baseline
▲ 0.50% · 4.625%
HK$188,480
+HK$9,438/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,084/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,030 · Scale 2, in force from 26 Feb 2026)