LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,904
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,670
−HK$2,809/mo
Today · 4.125%
HK$94,479
baseline
▲ 0.50% · 4.625%
HK$100,228
+HK$5,749/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,958/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,905
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,558
−HK$2,691/mo
Today · 4.125%
HK$104,249
baseline
▲ 0.50% · 4.625%
HK$109,744
+HK$5,495/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,498/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,685
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,004
−HK$3,371/mo
Today · 4.125%
HK$113,375
baseline
▲ 0.50% · 4.625%
HK$120,274
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,750/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,686
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,869
−HK$3,229/mo
Today · 4.125%
HK$125,098
baseline
▲ 0.50% · 4.625%
HK$131,693
+HK$6,595/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,196/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,466
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,338
−HK$3,933/mo
Today · 4.125%
HK$132,271
baseline
▲ 0.50% · 4.625%
HK$140,320
+HK$8,049/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,542/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,467
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,181
−HK$3,767/mo
Today · 4.125%
HK$145,948
baseline
▲ 0.50% · 4.625%
HK$153,641
+HK$7,693/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,896/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,028
−HK$10,035/mo
▼ 0.25% · 3.875%
HK$165,006
−HK$5,057/mo
Today · 4.125%
HK$170,063
baseline
▲ 0.50% · 4.625%
HK$180,411
+HK$10,348/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,126/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,029
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$182,804
−HK$4,844/mo
Today · 4.125%
HK$187,648
baseline
▲ 0.50% · 4.625%
HK$197,539
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,296/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,022 · Scale 2, in force from 26 Feb 2026)