LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,032
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,739
−HK$2,750/mo
Today · 4.125%
HK$92,489
baseline
▲ 0.50% · 4.625%
HK$98,117
+HK$5,628/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,978/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,822
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,419
−HK$2,634/mo
Today · 4.125%
HK$102,053
baseline
▲ 0.50% · 4.625%
HK$107,432
+HK$5,379/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,106/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,438
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,687
−HK$3,300/mo
Today · 4.125%
HK$110,987
baseline
▲ 0.50% · 4.625%
HK$117,740
+HK$6,753/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$221,974/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,186
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,302
−HK$3,161/mo
Today · 4.125%
HK$122,463
baseline
▲ 0.50% · 4.625%
HK$128,919
+HK$6,456/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$244,926/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,844
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$125,634
−HK$3,851/mo
Today · 4.125%
HK$129,485
baseline
▲ 0.50% · 4.625%
HK$137,364
+HK$7,879/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$258,970/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,551
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,186
−HK$3,688/mo
Today · 4.125%
HK$142,874
baseline
▲ 0.50% · 4.625%
HK$150,405
+HK$7,531/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$285,748/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,657
−HK$9,824/mo
▼ 0.25% · 3.875%
HK$161,530
−HK$4,951/mo
Today · 4.125%
HK$166,481
baseline
▲ 0.50% · 4.625%
HK$176,611
+HK$10,130/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$332,962/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,279
−HK$9,416/mo
▼ 0.25% · 3.875%
HK$178,953
−HK$4,742/mo
Today · 4.125%
HK$183,695
baseline
▲ 0.50% · 4.625%
HK$193,378
+HK$9,683/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$367,390/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,119 · Scale 2, in force from 26 Feb 2026)