LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,123
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,833
−HK$2,754/mo
Today · 4.125%
HK$92,587
baseline
▲ 0.50% · 4.625%
HK$98,220
+HK$5,633/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,174/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,924
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,523
−HK$2,637/mo
Today · 4.125%
HK$102,160
baseline
▲ 0.50% · 4.625%
HK$107,545
+HK$5,385/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,320/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,548
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,800
−HK$3,304/mo
Today · 4.125%
HK$111,104
baseline
▲ 0.50% · 4.625%
HK$117,864
+HK$6,760/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$222,208/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,308
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,428
−HK$3,164/mo
Today · 4.125%
HK$122,592
baseline
▲ 0.50% · 4.625%
HK$129,054
+HK$6,462/mo
Deposit HK$15.28M · loan HK$22.92M · min. income ≈ HK$245,184/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,973
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$125,767
−HK$3,854/mo
Today · 4.125%
HK$129,621
baseline
▲ 0.50% · 4.625%
HK$137,508
+HK$7,887/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,242/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,693
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,332
−HK$3,692/mo
Today · 4.125%
HK$143,024
baseline
▲ 0.50% · 4.625%
HK$150,563
+HK$7,539/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,048/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,822
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$161,700
−HK$4,956/mo
Today · 4.125%
HK$166,656
baseline
▲ 0.50% · 4.625%
HK$176,797
+HK$10,141/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,312/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,463
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$179,142
−HK$4,746/mo
Today · 4.125%
HK$183,888
baseline
▲ 0.50% · 4.625%
HK$193,581
+HK$9,693/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,776/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,826 · Scale 2, in force from 26 Feb 2026)