LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,145
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,856
−HK$2,754/mo
Today · 4.125%
HK$92,610
baseline
▲ 0.50% · 4.625%
HK$98,245
+HK$5,635/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,220/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,948
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,548
−HK$2,638/mo
Today · 4.125%
HK$102,186
baseline
▲ 0.50% · 4.625%
HK$107,572
+HK$5,386/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,372/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,574
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,827
−HK$3,305/mo
Today · 4.125%
HK$111,132
baseline
▲ 0.50% · 4.625%
HK$117,894
+HK$6,762/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$222,264/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,337
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,458
−HK$3,165/mo
Today · 4.125%
HK$122,623
baseline
▲ 0.50% · 4.625%
HK$129,086
+HK$6,463/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$245,246/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,003
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,798
−HK$3,856/mo
Today · 4.125%
HK$129,654
baseline
▲ 0.50% · 4.625%
HK$137,543
+HK$7,889/mo
Deposit HK$11.47M · loan HK$26.75M · min. income ≈ HK$259,308/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,727
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$139,367
−HK$3,693/mo
Today · 4.125%
HK$143,060
baseline
▲ 0.50% · 4.625%
HK$150,601
+HK$7,541/mo
Deposit HK$11.47M · loan HK$26.75M · min. income ≈ HK$286,120/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,861
−HK$9,836/mo
▼ 0.25% · 3.875%
HK$161,740
−HK$4,957/mo
Today · 4.125%
HK$166,697
baseline
▲ 0.50% · 4.625%
HK$176,841
+HK$10,144/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$333,394/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,506
−HK$9,428/mo
▼ 0.25% · 3.875%
HK$179,186
−HK$4,748/mo
Today · 4.125%
HK$183,934
baseline
▲ 0.50% · 4.625%
HK$193,630
+HK$9,696/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$367,868/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,230 · Scale 2, in force from 26 Feb 2026)