LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,094
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,804
−HK$2,752/mo
Today · 4.125%
HK$92,556
baseline
▲ 0.50% · 4.625%
HK$98,188
+HK$5,632/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,112/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,892
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,490
−HK$2,636/mo
Today · 4.125%
HK$102,126
baseline
▲ 0.50% · 4.625%
HK$107,510
+HK$5,384/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,252/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,513
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,764
−HK$3,303/mo
Today · 4.125%
HK$111,067
baseline
▲ 0.50% · 4.625%
HK$117,825
+HK$6,758/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,134/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,270
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,388
−HK$3,164/mo
Today · 4.125%
HK$122,552
baseline
▲ 0.50% · 4.625%
HK$129,012
+HK$6,460/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,104/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,932
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,725
−HK$3,854/mo
Today · 4.125%
HK$129,579
baseline
▲ 0.50% · 4.625%
HK$137,463
+HK$7,884/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$259,158/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,648
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,286
−HK$3,691/mo
Today · 4.125%
HK$142,977
baseline
▲ 0.50% · 4.625%
HK$150,514
+HK$7,537/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$285,954/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,770
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,647
−HK$4,954/mo
Today · 4.125%
HK$166,601
baseline
▲ 0.50% · 4.625%
HK$176,738
+HK$10,137/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$333,202/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,405
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,083
−HK$4,745/mo
Today · 4.125%
HK$183,828
baseline
▲ 0.50% · 4.625%
HK$193,518
+HK$9,690/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$367,656/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,290 · Scale 2, in force from 26 Feb 2026)