LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,897
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,600
−HK$2,746/mo
Today · 4.125%
HK$92,346
baseline
▲ 0.50% · 4.625%
HK$97,965
+HK$5,619/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,692/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,672
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,264
−HK$2,630/mo
Today · 4.125%
HK$101,894
baseline
▲ 0.50% · 4.625%
HK$107,265
+HK$5,371/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,788/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,276
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,520
−HK$3,295/mo
Today · 4.125%
HK$110,815
baseline
▲ 0.50% · 4.625%
HK$117,558
+HK$6,743/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,630/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,006
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,117
−HK$3,156/mo
Today · 4.125%
HK$122,273
baseline
▲ 0.50% · 4.625%
HK$128,719
+HK$6,446/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,546/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,655
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$125,439
−HK$3,845/mo
Today · 4.125%
HK$129,284
baseline
▲ 0.50% · 4.625%
HK$137,151
+HK$7,867/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$258,568/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,340
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,970
−HK$3,682/mo
Today · 4.125%
HK$142,652
baseline
▲ 0.50% · 4.625%
HK$150,172
+HK$7,520/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$285,304/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,414
−HK$9,808/mo
▼ 0.25% · 3.875%
HK$161,279
−HK$4,943/mo
Today · 4.125%
HK$166,222
baseline
▲ 0.50% · 4.625%
HK$176,337
+HK$10,115/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$332,444/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,009
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$178,676
−HK$4,734/mo
Today · 4.125%
HK$183,410
baseline
▲ 0.50% · 4.625%
HK$193,078
+HK$9,668/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$366,820/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,602 · Scale 2, in force from 26 Feb 2026)