LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,026
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,733
−HK$2,751/mo
Today · 4.125%
HK$92,484
baseline
▲ 0.50% · 4.625%
HK$98,111
+HK$5,627/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,968/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,816
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,412
−HK$2,635/mo
Today · 4.125%
HK$102,047
baseline
▲ 0.50% · 4.625%
HK$107,426
+HK$5,379/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,094/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,432
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,680
−HK$3,300/mo
Today · 4.125%
HK$110,980
baseline
▲ 0.50% · 4.625%
HK$117,733
+HK$6,753/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$221,960/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,179
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,295
−HK$3,161/mo
Today · 4.125%
HK$122,456
baseline
▲ 0.50% · 4.625%
HK$128,911
+HK$6,455/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$244,912/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,837
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,627
−HK$3,850/mo
Today · 4.125%
HK$129,477
baseline
▲ 0.50% · 4.625%
HK$137,355
+HK$7,878/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$258,954/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,542
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,177
−HK$3,688/mo
Today · 4.125%
HK$142,865
baseline
▲ 0.50% · 4.625%
HK$150,396
+HK$7,531/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$285,730/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,647
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$161,520
−HK$4,950/mo
Today · 4.125%
HK$166,470
baseline
▲ 0.50% · 4.625%
HK$176,600
+HK$10,130/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$332,940/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,269
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$178,942
−HK$4,742/mo
Today · 4.125%
HK$183,684
baseline
▲ 0.50% · 4.625%
HK$193,366
+HK$9,682/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$367,368/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,018 · Scale 2, in force from 26 Feb 2026)