LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,839
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,478
−HK$2,681/mo
Today · 4.125%
HK$90,159
baseline
▲ 0.50% · 4.625%
HK$95,645
+HK$5,486/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$180,318/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,382
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,913
−HK$2,568/mo
Today · 4.125%
HK$99,481
baseline
▲ 0.50% · 4.625%
HK$104,725
+HK$5,244/mo
Deposit HK$18.60M · loan HK$18.60M · min. income ≈ HK$198,962/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,806
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,973
−HK$3,218/mo
Today · 4.125%
HK$108,191
baseline
▲ 0.50% · 4.625%
HK$114,774
+HK$6,583/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$216,382/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,259
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,296
−HK$3,082/mo
Today · 4.125%
HK$119,378
baseline
▲ 0.50% · 4.625%
HK$125,670
+HK$6,292/mo
Deposit HK$14.88M · loan HK$22.32M · min. income ≈ HK$238,756/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,774
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,469
−HK$3,753/mo
Today · 4.125%
HK$126,222
baseline
▲ 0.50% · 4.625%
HK$133,903
+HK$7,681/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$252,444/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,135
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,679
−HK$3,595/mo
Today · 4.125%
HK$139,274
baseline
▲ 0.50% · 4.625%
HK$146,615
+HK$7,341/mo
Deposit HK$11.16M · loan HK$26.04M · min. income ≈ HK$278,548/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,710
−HK$9,576/mo
▼ 0.25% · 3.875%
HK$157,460
−HK$4,826/mo
Today · 4.125%
HK$162,286
baseline
▲ 0.50% · 4.625%
HK$172,161
+HK$9,875/mo
Deposit HK$3.72M · loan HK$33.49M · min. income ≈ HK$324,572/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,888
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$174,444
−HK$4,622/mo
Today · 4.125%
HK$179,066
baseline
▲ 0.50% · 4.625%
HK$188,505
+HK$9,439/mo
Deposit HK$3.72M · loan HK$33.49M · min. income ≈ HK$358,132/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,581,246 · Scale 2, in force from 26 Feb 2026)