LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,007
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,713
−HK$2,750/mo
Today · 4.125%
HK$92,463
baseline
▲ 0.50% · 4.625%
HK$98,089
+HK$5,626/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,926/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,794
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,390
−HK$2,634/mo
Today · 4.125%
HK$102,024
baseline
▲ 0.50% · 4.625%
HK$107,402
+HK$5,378/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,048/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,408
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,656
−HK$3,300/mo
Today · 4.125%
HK$110,956
baseline
▲ 0.50% · 4.625%
HK$117,707
+HK$6,751/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,912/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,153
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,268
−HK$3,161/mo
Today · 4.125%
HK$122,429
baseline
▲ 0.50% · 4.625%
HK$128,882
+HK$6,453/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,858/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,810
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,599
−HK$3,849/mo
Today · 4.125%
HK$129,448
baseline
▲ 0.50% · 4.625%
HK$137,325
+HK$7,877/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,896/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,512
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,146
−HK$3,687/mo
Today · 4.125%
HK$142,833
baseline
▲ 0.50% · 4.625%
HK$150,362
+HK$7,529/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,666/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,613
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,484
−HK$4,950/mo
Today · 4.125%
HK$166,434
baseline
▲ 0.50% · 4.625%
HK$176,561
+HK$10,127/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,868/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,230
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$178,903
−HK$4,740/mo
Today · 4.125%
HK$183,643
baseline
▲ 0.50% · 4.625%
HK$193,323
+HK$9,680/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,286/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,658 · Scale 2, in force from 26 Feb 2026)