LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,038
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,745
−HK$2,751/mo
Today · 4.125%
HK$92,496
baseline
▲ 0.50% · 4.625%
HK$98,124
+HK$5,628/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$184,992/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,829
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,426
−HK$2,634/mo
Today · 4.125%
HK$102,060
baseline
▲ 0.50% · 4.625%
HK$107,440
+HK$5,380/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,120/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,445
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,694
−HK$3,301/mo
Today · 4.125%
HK$110,995
baseline
▲ 0.50% · 4.625%
HK$117,749
+HK$6,754/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$221,990/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,194
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,311
−HK$3,161/mo
Today · 4.125%
HK$122,472
baseline
▲ 0.50% · 4.625%
HK$128,928
+HK$6,456/mo
Deposit HK$15.27M · loan HK$22.90M · min. income ≈ HK$244,944/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,853
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$125,643
−HK$3,851/mo
Today · 4.125%
HK$129,494
baseline
▲ 0.50% · 4.625%
HK$137,374
+HK$7,880/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$258,988/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,560
−HK$7,324/mo
▼ 0.25% · 3.875%
HK$139,196
−HK$3,688/mo
Today · 4.125%
HK$142,884
baseline
▲ 0.50% · 4.625%
HK$150,416
+HK$7,532/mo
Deposit HK$11.45M · loan HK$26.72M · min. income ≈ HK$285,768/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,668
−HK$9,825/mo
▼ 0.25% · 3.875%
HK$161,541
−HK$4,952/mo
Today · 4.125%
HK$166,493
baseline
▲ 0.50% · 4.625%
HK$176,623
+HK$10,130/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$332,986/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,292
−HK$9,416/mo
▼ 0.25% · 3.875%
HK$178,966
−HK$4,742/mo
Today · 4.125%
HK$183,708
baseline
▲ 0.50% · 4.625%
HK$193,392
+HK$9,684/mo
Deposit HK$3.82M · loan HK$34.35M · min. income ≈ HK$367,416/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,234 · Scale 2, in force from 26 Feb 2026)