LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,010
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,716
−HK$2,750/mo
Today · 4.125%
HK$92,466
baseline
▲ 0.50% · 4.625%
HK$98,092
+HK$5,626/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,932/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,798
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,394
−HK$2,633/mo
Today · 4.125%
HK$102,027
baseline
▲ 0.50% · 4.625%
HK$107,405
+HK$5,378/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,054/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,412
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,660
−HK$3,299/mo
Today · 4.125%
HK$110,959
baseline
▲ 0.50% · 4.625%
HK$117,711
+HK$6,752/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,918/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,157
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,272
−HK$3,161/mo
Today · 4.125%
HK$122,433
baseline
▲ 0.50% · 4.625%
HK$128,886
+HK$6,453/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,866/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,814
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,603
−HK$3,849/mo
Today · 4.125%
HK$129,452
baseline
▲ 0.50% · 4.625%
HK$137,329
+HK$7,877/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,904/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,517
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,151
−HK$3,687/mo
Today · 4.125%
HK$142,838
baseline
▲ 0.50% · 4.625%
HK$150,367
+HK$7,529/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,676/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,618
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,489
−HK$4,950/mo
Today · 4.125%
HK$166,439
baseline
▲ 0.50% · 4.625%
HK$176,566
+HK$10,127/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,878/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,236
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$178,908
−HK$4,741/mo
Today · 4.125%
HK$183,649
baseline
▲ 0.50% · 4.625%
HK$193,329
+HK$9,680/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,298/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,711 · Scale 2, in force from 26 Feb 2026)