LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,127
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,838
−HK$2,753/mo
Today · 4.125%
HK$92,591
baseline
▲ 0.50% · 4.625%
HK$98,225
+HK$5,634/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$185,182/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,928
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,528
−HK$2,637/mo
Today · 4.125%
HK$102,165
baseline
▲ 0.50% · 4.625%
HK$107,550
+HK$5,385/mo
Deposit HK$19.10M · loan HK$19.10M · min. income ≈ HK$204,330/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,553
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,805
−HK$3,304/mo
Today · 4.125%
HK$111,109
baseline
▲ 0.50% · 4.625%
HK$117,870
+HK$6,761/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$222,218/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,314
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,434
−HK$3,164/mo
Today · 4.125%
HK$122,598
baseline
▲ 0.50% · 4.625%
HK$129,061
+HK$6,463/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$245,196/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,978
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$125,773
−HK$3,855/mo
Today · 4.125%
HK$129,628
baseline
▲ 0.50% · 4.625%
HK$137,515
+HK$7,887/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,256/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,700
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,339
−HK$3,692/mo
Today · 4.125%
HK$143,031
baseline
▲ 0.50% · 4.625%
HK$150,571
+HK$7,540/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,062/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,829
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$161,708
−HK$4,956/mo
Today · 4.125%
HK$166,664
baseline
▲ 0.50% · 4.625%
HK$176,805
+HK$10,141/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,328/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,471
−HK$9,426/mo
▼ 0.25% · 3.875%
HK$179,150
−HK$4,747/mo
Today · 4.125%
HK$183,897
baseline
▲ 0.50% · 4.625%
HK$193,591
+HK$9,694/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,794/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,623,904 · Scale 2, in force from 26 Feb 2026)