LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,973
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,678
−HK$2,749/mo
Today · 4.125%
HK$92,427
baseline
▲ 0.50% · 4.625%
HK$98,051
+HK$5,624/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,854/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,756
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,351
−HK$2,633/mo
Today · 4.125%
HK$101,984
baseline
▲ 0.50% · 4.625%
HK$107,359
+HK$5,375/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,968/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,367
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,614
−HK$3,298/mo
Today · 4.125%
HK$110,912
baseline
▲ 0.50% · 4.625%
HK$117,661
+HK$6,749/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$221,824/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,108
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,221
−HK$3,159/mo
Today · 4.125%
HK$122,380
baseline
▲ 0.50% · 4.625%
HK$128,831
+HK$6,451/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$244,760/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,762
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,549
−HK$3,848/mo
Today · 4.125%
HK$129,397
baseline
▲ 0.50% · 4.625%
HK$137,271
+HK$7,874/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,794/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,459
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,092
−HK$3,685/mo
Today · 4.125%
HK$142,777
baseline
▲ 0.50% · 4.625%
HK$150,303
+HK$7,526/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,554/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,551
−HK$9,817/mo
▼ 0.25% · 3.875%
HK$161,421
−HK$4,947/mo
Today · 4.125%
HK$166,368
baseline
▲ 0.50% · 4.625%
HK$176,491
+HK$10,123/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,736/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,161
−HK$9,410/mo
▼ 0.25% · 3.875%
HK$178,832
−HK$4,739/mo
Today · 4.125%
HK$183,571
baseline
▲ 0.50% · 4.625%
HK$193,247
+HK$9,676/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,142/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,020 · Scale 2, in force from 26 Feb 2026)