LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,877
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,642
−HK$2,809/mo
Today · 4.125%
HK$94,451
baseline
▲ 0.50% · 4.625%
HK$100,198
+HK$5,747/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,902/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,875
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,527
−HK$2,690/mo
Today · 4.125%
HK$104,217
baseline
▲ 0.50% · 4.625%
HK$109,710
+HK$5,493/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,434/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,653
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,970
−HK$3,371/mo
Today · 4.125%
HK$113,341
baseline
▲ 0.50% · 4.625%
HK$120,237
+HK$6,896/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,682/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,650
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,832
−HK$3,228/mo
Today · 4.125%
HK$125,060
baseline
▲ 0.50% · 4.625%
HK$131,652
+HK$6,592/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,120/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,428
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,299
−HK$3,932/mo
Today · 4.125%
HK$132,231
baseline
▲ 0.50% · 4.625%
HK$140,277
+HK$8,046/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,462/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,425
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,137
−HK$3,767/mo
Today · 4.125%
HK$145,904
baseline
▲ 0.50% · 4.625%
HK$153,594
+HK$7,690/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,808/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,979
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$164,955
−HK$5,056/mo
Today · 4.125%
HK$170,011
baseline
▲ 0.50% · 4.625%
HK$180,356
+HK$10,345/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,022/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,975
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$182,748
−HK$4,842/mo
Today · 4.125%
HK$187,590
baseline
▲ 0.50% · 4.625%
HK$197,479
+HK$9,889/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,180/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,516 · Scale 2, in force from 26 Feb 2026)