LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,835
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,474
−HK$2,681/mo
Today · 4.125%
HK$90,155
baseline
▲ 0.50% · 4.625%
HK$95,641
+HK$5,486/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,310/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,379
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,910
−HK$2,568/mo
Today · 4.125%
HK$99,478
baseline
▲ 0.50% · 4.625%
HK$104,721
+HK$5,243/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,956/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,802
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,969
−HK$3,217/mo
Today · 4.125%
HK$108,186
baseline
▲ 0.50% · 4.625%
HK$114,769
+HK$6,583/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,372/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,254
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,292
−HK$3,081/mo
Today · 4.125%
HK$119,373
baseline
▲ 0.50% · 4.625%
HK$125,665
+HK$6,292/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,746/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,770
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,464
−HK$3,753/mo
Today · 4.125%
HK$126,217
baseline
▲ 0.50% · 4.625%
HK$133,898
+HK$7,681/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,434/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,130
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,674
−HK$3,595/mo
Today · 4.125%
HK$139,269
baseline
▲ 0.50% · 4.625%
HK$146,610
+HK$7,341/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,538/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,704
−HK$9,576/mo
▼ 0.25% · 3.875%
HK$157,454
−HK$4,826/mo
Today · 4.125%
HK$162,280
baseline
▲ 0.50% · 4.625%
HK$172,154
+HK$9,874/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$324,560/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,881
−HK$9,179/mo
▼ 0.25% · 3.875%
HK$174,438
−HK$4,622/mo
Today · 4.125%
HK$179,060
baseline
▲ 0.50% · 4.625%
HK$188,498
+HK$9,438/mo
Deposit HK$3.72M · loan HK$33.48M · min. income ≈ HK$358,120/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,184 · Scale 2, in force from 26 Feb 2026)