LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,078
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,787
−HK$2,751/mo
Today · 4.125%
HK$92,538
baseline
▲ 0.50% · 4.625%
HK$98,169
+HK$5,631/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,076/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,873
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,471
−HK$2,636/mo
Today · 4.125%
HK$102,107
baseline
▲ 0.50% · 4.625%
HK$107,489
+HK$5,382/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,214/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,493
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,744
−HK$3,302/mo
Today · 4.125%
HK$111,046
baseline
▲ 0.50% · 4.625%
HK$117,803
+HK$6,757/mo
Deposit HK$15.28M · loan HK$22.91M · min. income ≈ HK$222,092/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,248
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,366
−HK$3,162/mo
Today · 4.125%
HK$122,528
baseline
▲ 0.50% · 4.625%
HK$128,987
+HK$6,459/mo
Deposit HK$15.28M · loan HK$22.91M · min. income ≈ HK$245,056/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,909
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,701
−HK$3,853/mo
Today · 4.125%
HK$129,554
baseline
▲ 0.50% · 4.625%
HK$137,437
+HK$7,883/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,108/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,623
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,260
−HK$3,690/mo
Today · 4.125%
HK$142,950
baseline
▲ 0.50% · 4.625%
HK$150,485
+HK$7,535/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,900/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,740
−HK$9,829/mo
▼ 0.25% · 3.875%
HK$161,616
−HK$4,953/mo
Today · 4.125%
HK$166,569
baseline
▲ 0.50% · 4.625%
HK$176,705
+HK$10,136/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,138/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,372
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$179,049
−HK$4,744/mo
Today · 4.125%
HK$183,793
baseline
▲ 0.50% · 4.625%
HK$193,481
+HK$9,688/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,586/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,981 · Scale 2, in force from 26 Feb 2026)