LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,095
−HK$5,461/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$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,892
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,491
−HK$2,636/mo
Today · 4.125%
HK$102,127
baseline
▲ 0.50% · 4.625%
HK$107,510
+HK$5,383/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,254/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,514
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,765
−HK$3,303/mo
Today · 4.125%
HK$111,068
baseline
▲ 0.50% · 4.625%
HK$117,826
+HK$6,758/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,136/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,271
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,389
−HK$3,163/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$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,933
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,726
−HK$3,853/mo
Today · 4.125%
HK$129,579
baseline
▲ 0.50% · 4.625%
HK$137,464
+HK$7,885/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$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,649
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,287
−HK$3,691/mo
Today · 4.125%
HK$142,978
baseline
▲ 0.50% · 4.625%
HK$150,514
+HK$7,536/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$285,956/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,771
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,647
−HK$4,955/mo
Today · 4.125%
HK$166,602
baseline
▲ 0.50% · 4.625%
HK$176,739
+HK$10,137/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$333,204/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,406
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,083
−HK$4,746/mo
Today · 4.125%
HK$183,829
baseline
▲ 0.50% · 4.625%
HK$193,518
+HK$9,689/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$367,658/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,297 · Scale 2, in force from 26 Feb 2026)