LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,885
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,650
−HK$2,809/mo
Today · 4.125%
HK$94,459
baseline
▲ 0.50% · 4.625%
HK$100,206
+HK$5,747/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,918/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,883
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,535
−HK$2,691/mo
Today · 4.125%
HK$104,226
baseline
▲ 0.50% · 4.625%
HK$109,720
+HK$5,494/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,452/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,662
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,980
−HK$3,370/mo
Today · 4.125%
HK$113,350
baseline
▲ 0.50% · 4.625%
HK$120,248
+HK$6,898/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$226,700/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,660
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,843
−HK$3,228/mo
Today · 4.125%
HK$125,071
baseline
▲ 0.50% · 4.625%
HK$131,664
+HK$6,593/mo
Deposit HK$15.59M · loan HK$23.39M · min. income ≈ HK$250,142/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,439
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,310
−HK$3,932/mo
Today · 4.125%
HK$132,242
baseline
▲ 0.50% · 4.625%
HK$140,289
+HK$8,047/mo
Deposit HK$11.69M · loan HK$27.29M · min. income ≈ HK$264,484/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,437
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,150
−HK$3,766/mo
Today · 4.125%
HK$145,916
baseline
▲ 0.50% · 4.625%
HK$153,608
+HK$7,692/mo
Deposit HK$11.69M · loan HK$27.29M · min. income ≈ HK$291,832/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,993
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$164,969
−HK$5,057/mo
Today · 4.125%
HK$170,026
baseline
▲ 0.50% · 4.625%
HK$180,371
+HK$10,345/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$340,052/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,990
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$182,764
−HK$4,843/mo
Today · 4.125%
HK$187,607
baseline
▲ 0.50% · 4.625%
HK$197,496
+HK$9,889/mo
Deposit HK$3.90M · loan HK$35.08M · min. income ≈ HK$375,214/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,658 · Scale 2, in force from 26 Feb 2026)