LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,872
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,636
−HK$2,809/mo
Today · 4.125%
HK$94,445
baseline
▲ 0.50% · 4.625%
HK$100,192
+HK$5,747/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,890/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,869
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,521
−HK$2,690/mo
Today · 4.125%
HK$104,211
baseline
▲ 0.50% · 4.625%
HK$109,704
+HK$5,493/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,422/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,646
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,964
−HK$3,370/mo
Today · 4.125%
HK$113,334
baseline
▲ 0.50% · 4.625%
HK$120,230
+HK$6,896/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$226,668/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,643
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,825
−HK$3,228/mo
Today · 4.125%
HK$125,053
baseline
▲ 0.50% · 4.625%
HK$131,645
+HK$6,592/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$250,106/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,421
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,291
−HK$3,932/mo
Today · 4.125%
HK$132,223
baseline
▲ 0.50% · 4.625%
HK$140,269
+HK$8,046/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,446/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,417
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,129
−HK$3,766/mo
Today · 4.125%
HK$145,895
baseline
▲ 0.50% · 4.625%
HK$153,585
+HK$7,690/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,790/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,970
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$164,946
−HK$5,055/mo
Today · 4.125%
HK$170,001
baseline
▲ 0.50% · 4.625%
HK$180,345
+HK$10,344/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,002/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,965
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$182,738
−HK$4,841/mo
Today · 4.125%
HK$187,579
baseline
▲ 0.50% · 4.625%
HK$197,467
+HK$9,888/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,158/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,420 · Scale 2, in force from 26 Feb 2026)