LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,947
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,714
−HK$2,811/mo
Today · 4.125%
HK$94,525
baseline
▲ 0.50% · 4.625%
HK$100,276
+HK$5,751/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$189,050/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,952
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,606
−HK$2,693/mo
Today · 4.125%
HK$104,299
baseline
▲ 0.50% · 4.625%
HK$109,796
+HK$5,497/mo
Deposit HK$19.50M · loan HK$19.50M · min. income ≈ HK$208,598/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,736
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,056
−HK$3,373/mo
Today · 4.125%
HK$113,429
baseline
▲ 0.50% · 4.625%
HK$120,331
+HK$6,902/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$226,858/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,743
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,928
−HK$3,230/mo
Today · 4.125%
HK$125,158
baseline
▲ 0.50% · 4.625%
HK$131,755
+HK$6,597/mo
Deposit HK$15.60M · loan HK$23.40M · min. income ≈ HK$250,316/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,526
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,399
−HK$3,935/mo
Today · 4.125%
HK$132,334
baseline
▲ 0.50% · 4.625%
HK$140,387
+HK$8,053/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$264,668/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,533
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,249
−HK$3,769/mo
Today · 4.125%
HK$146,018
baseline
▲ 0.50% · 4.625%
HK$153,715
+HK$7,697/mo
Deposit HK$11.70M · loan HK$27.31M · min. income ≈ HK$292,036/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,104
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$165,084
−HK$5,060/mo
Today · 4.125%
HK$170,144
baseline
▲ 0.50% · 4.625%
HK$180,497
+HK$10,353/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$340,288/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,114
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$182,891
−HK$4,846/mo
Today · 4.125%
HK$187,737
baseline
▲ 0.50% · 4.625%
HK$197,633
+HK$9,896/mo
Deposit HK$3.90M · loan HK$35.11M · min. income ≈ HK$375,474/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,813 · Scale 2, in force from 26 Feb 2026)