LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,146
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,754/mo
Today · 4.125%
HK$92,611
baseline
▲ 0.50% · 4.625%
HK$98,246
+HK$5,635/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,222/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,949
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,549
−HK$2,638/mo
Today · 4.125%
HK$102,187
baseline
▲ 0.50% · 4.625%
HK$107,573
+HK$5,386/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,374/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,575
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,828
−HK$3,305/mo
Today · 4.125%
HK$111,133
baseline
▲ 0.50% · 4.625%
HK$117,895
+HK$6,762/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$222,266/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,339
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,459
−HK$3,165/mo
Today · 4.125%
HK$122,624
baseline
▲ 0.50% · 4.625%
HK$129,088
+HK$6,464/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$245,248/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,004
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,799
−HK$3,856/mo
Today · 4.125%
HK$129,655
baseline
▲ 0.50% · 4.625%
HK$137,544
+HK$7,889/mo
Deposit HK$11.47M · loan HK$26.75M · min. income ≈ HK$259,310/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,728
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$139,369
−HK$3,692/mo
Today · 4.125%
HK$143,061
baseline
▲ 0.50% · 4.625%
HK$150,602
+HK$7,541/mo
Deposit HK$11.47M · loan HK$26.75M · min. income ≈ HK$286,122/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,863
−HK$9,836/mo
▼ 0.25% · 3.875%
HK$161,742
−HK$4,957/mo
Today · 4.125%
HK$166,699
baseline
▲ 0.50% · 4.625%
HK$176,842
+HK$10,143/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$333,398/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,508
−HK$9,428/mo
▼ 0.25% · 3.875%
HK$179,188
−HK$4,748/mo
Today · 4.125%
HK$183,936
baseline
▲ 0.50% · 4.625%
HK$193,632
+HK$9,696/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$367,872/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,247 · Scale 2, in force from 26 Feb 2026)