LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,116
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,825
−HK$2,754/mo
Today · 4.125%
HK$92,579
baseline
▲ 0.50% · 4.625%
HK$98,212
+HK$5,633/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,158/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,915
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,515
−HK$2,636/mo
Today · 4.125%
HK$102,151
baseline
▲ 0.50% · 4.625%
HK$107,536
+HK$5,385/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,302/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,539
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,791
−HK$3,303/mo
Today · 4.125%
HK$111,094
baseline
▲ 0.50% · 4.625%
HK$117,854
+HK$6,760/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,188/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,298
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,417
−HK$3,165/mo
Today · 4.125%
HK$122,582
baseline
▲ 0.50% · 4.625%
HK$129,043
+HK$6,461/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,164/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,962
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$125,756
−HK$3,854/mo
Today · 4.125%
HK$129,610
baseline
▲ 0.50% · 4.625%
HK$137,497
+HK$7,887/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$259,220/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,681
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,320
−HK$3,692/mo
Today · 4.125%
HK$143,012
baseline
▲ 0.50% · 4.625%
HK$150,550
+HK$7,538/mo
Deposit HK$11.46M · loan HK$26.74M · min. income ≈ HK$286,024/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,808
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$161,686
−HK$4,956/mo
Today · 4.125%
HK$166,642
baseline
▲ 0.50% · 4.625%
HK$176,781
+HK$10,139/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$333,284/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,448
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$179,126
−HK$4,746/mo
Today · 4.125%
HK$183,872
baseline
▲ 0.50% · 4.625%
HK$193,565
+HK$9,693/mo
Deposit HK$3.82M · loan HK$34.38M · min. income ≈ HK$367,744/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,685 · Scale 2, in force from 26 Feb 2026)