LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,136
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,846
−HK$2,754/mo
Today · 4.125%
HK$92,600
baseline
▲ 0.50% · 4.625%
HK$98,234
+HK$5,634/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,200/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,938
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,538
−HK$2,637/mo
Today · 4.125%
HK$102,175
baseline
▲ 0.50% · 4.625%
HK$107,561
+HK$5,386/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,350/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,563
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,815
−HK$3,305/mo
Today · 4.125%
HK$111,120
baseline
▲ 0.50% · 4.625%
HK$117,881
+HK$6,761/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$222,240/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,325
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,445
−HK$3,165/mo
Today · 4.125%
HK$122,610
baseline
▲ 0.50% · 4.625%
HK$129,073
+HK$6,463/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$245,220/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,990
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$125,785
−HK$3,855/mo
Today · 4.125%
HK$129,640
baseline
▲ 0.50% · 4.625%
HK$137,528
+HK$7,888/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,280/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,713
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$139,353
−HK$3,692/mo
Today · 4.125%
HK$143,045
baseline
▲ 0.50% · 4.625%
HK$150,585
+HK$7,540/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,090/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,844
−HK$9,836/mo
▼ 0.25% · 3.875%
HK$161,723
−HK$4,957/mo
Today · 4.125%
HK$166,680
baseline
▲ 0.50% · 4.625%
HK$176,822
+HK$10,142/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,360/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,488
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$179,168
−HK$4,747/mo
Today · 4.125%
HK$183,915
baseline
▲ 0.50% · 4.625%
HK$193,609
+HK$9,694/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,830/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,060 · Scale 2, in force from 26 Feb 2026)