LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,126
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,836
−HK$2,754/mo
Today · 4.125%
HK$92,590
baseline
▲ 0.50% · 4.625%
HK$98,223
+HK$5,633/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,180/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,927
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,526
−HK$2,637/mo
Today · 4.125%
HK$102,163
baseline
▲ 0.50% · 4.625%
HK$107,549
+HK$5,386/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,326/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,551
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,803
−HK$3,304/mo
Today · 4.125%
HK$111,107
baseline
▲ 0.50% · 4.625%
HK$117,868
+HK$6,761/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$222,214/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,312
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,432
−HK$3,164/mo
Today · 4.125%
HK$122,596
baseline
▲ 0.50% · 4.625%
HK$129,058
+HK$6,462/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$245,192/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,976
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$125,770
−HK$3,855/mo
Today · 4.125%
HK$129,625
baseline
▲ 0.50% · 4.625%
HK$137,513
+HK$7,888/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,250/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,697
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$139,337
−HK$3,692/mo
Today · 4.125%
HK$143,029
baseline
▲ 0.50% · 4.625%
HK$150,568
+HK$7,539/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,058/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,827
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$161,705
−HK$4,956/mo
Today · 4.125%
HK$166,661
baseline
▲ 0.50% · 4.625%
HK$176,802
+HK$10,141/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,322/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,468
−HK$9,426/mo
▼ 0.25% · 3.875%
HK$179,147
−HK$4,747/mo
Today · 4.125%
HK$183,894
baseline
▲ 0.50% · 4.625%
HK$193,587
+HK$9,693/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,788/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,876 · Scale 2, in force from 26 Feb 2026)