LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,882
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,647
−HK$2,809/mo
Today · 4.125%
HK$94,456
baseline
▲ 0.50% · 4.625%
HK$100,203
+HK$5,747/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,912/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,880
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,532
−HK$2,690/mo
Today · 4.125%
HK$104,222
baseline
▲ 0.50% · 4.625%
HK$109,716
+HK$5,494/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,444/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,658
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,976
−HK$3,371/mo
Today · 4.125%
HK$113,347
baseline
▲ 0.50% · 4.625%
HK$120,244
+HK$6,897/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,694/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,656
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,839
−HK$3,228/mo
Today · 4.125%
HK$125,067
baseline
▲ 0.50% · 4.625%
HK$131,659
+HK$6,592/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,134/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,435
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,305
−HK$3,933/mo
Today · 4.125%
HK$132,238
baseline
▲ 0.50% · 4.625%
HK$140,284
+HK$8,046/mo
Deposit HK$11.69M · loan HK$27.29M · min. income ≈ HK$264,476/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,432
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,145
−HK$3,766/mo
Today · 4.125%
HK$145,911
baseline
▲ 0.50% · 4.625%
HK$153,603
+HK$7,692/mo
Deposit HK$11.69M · loan HK$27.29M · min. income ≈ HK$291,822/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,987
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$164,964
−HK$5,056/mo
Today · 4.125%
HK$170,020
baseline
▲ 0.50% · 4.625%
HK$180,365
+HK$10,345/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,040/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,984
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$182,758
−HK$4,842/mo
Today · 4.125%
HK$187,600
baseline
▲ 0.50% · 4.625%
HK$197,489
+HK$9,889/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,200/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,604 · Scale 2, in force from 26 Feb 2026)