LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,514
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,329
−HK$2,861/mo
Today · 4.125%
HK$96,190
baseline
▲ 0.50% · 4.625%
HK$102,043
+HK$5,853/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,380/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,695
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,396
−HK$2,740/mo
Today · 4.125%
HK$106,136
baseline
▲ 0.50% · 4.625%
HK$111,730
+HK$5,594/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,272/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,616
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$111,995
−HK$3,433/mo
Today · 4.125%
HK$115,428
baseline
▲ 0.50% · 4.625%
HK$122,451
+HK$7,023/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$230,856/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,835
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,075
−HK$3,288/mo
Today · 4.125%
HK$127,363
baseline
▲ 0.50% · 4.625%
HK$134,076
+HK$6,713/mo
Deposit HK$15.88M · loan HK$23.82M · min. income ≈ HK$254,726/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,719
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,661
−HK$4,004/mo
Today · 4.125%
HK$134,665
baseline
▲ 0.50% · 4.625%
HK$142,860
+HK$8,195/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$269,330/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,974
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,754
−HK$3,836/mo
Today · 4.125%
HK$148,590
baseline
▲ 0.50% · 4.625%
HK$156,422
+HK$7,832/mo
Deposit HK$11.91M · loan HK$27.79M · min. income ≈ HK$297,180/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,924
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$167,992
−HK$5,149/mo
Today · 4.125%
HK$173,141
baseline
▲ 0.50% · 4.625%
HK$183,677
+HK$10,536/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$346,282/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,252
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$186,113
−HK$4,931/mo
Today · 4.125%
HK$191,044
baseline
▲ 0.50% · 4.625%
HK$201,115
+HK$10,071/mo
Deposit HK$3.97M · loan HK$35.73M · min. income ≈ HK$382,088/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,016 · Scale 2, in force from 26 Feb 2026)