LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,903
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,669
−HK$2,809/mo
Today · 4.125%
HK$94,478
baseline
▲ 0.50% · 4.625%
HK$100,227
+HK$5,749/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,956/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,904
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,557
−HK$2,690/mo
Today · 4.125%
HK$104,247
baseline
▲ 0.50% · 4.625%
HK$109,742
+HK$5,495/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,494/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,684
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,002
−HK$3,372/mo
Today · 4.125%
HK$113,374
baseline
▲ 0.50% · 4.625%
HK$120,272
+HK$6,898/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,748/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,685
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,868
−HK$3,229/mo
Today · 4.125%
HK$125,097
baseline
▲ 0.50% · 4.625%
HK$131,691
+HK$6,594/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,194/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,465
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,336
−HK$3,934/mo
Today · 4.125%
HK$132,270
baseline
▲ 0.50% · 4.625%
HK$140,318
+HK$8,048/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,540/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,466
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,179
−HK$3,767/mo
Today · 4.125%
HK$145,946
baseline
▲ 0.50% · 4.625%
HK$153,639
+HK$7,693/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,892/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,026
−HK$10,035/mo
▼ 0.25% · 3.875%
HK$165,004
−HK$5,057/mo
Today · 4.125%
HK$170,061
baseline
▲ 0.50% · 4.625%
HK$180,409
+HK$10,348/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,122/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,027
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$182,802
−HK$4,843/mo
Today · 4.125%
HK$187,645
baseline
▲ 0.50% · 4.625%
HK$197,536
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,290/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,001 · Scale 2, in force from 26 Feb 2026)