LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,162
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,873
−HK$2,755/mo
Today · 4.125%
HK$92,628
baseline
▲ 0.50% · 4.625%
HK$98,264
+HK$5,636/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,256/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,967
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,568
−HK$2,638/mo
Today · 4.125%
HK$102,206
baseline
▲ 0.50% · 4.625%
HK$107,593
+HK$5,387/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,412/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,594
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,848
−HK$3,305/mo
Today · 4.125%
HK$111,153
baseline
▲ 0.50% · 4.625%
HK$117,917
+HK$6,764/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$222,306/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,360
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,481
−HK$3,166/mo
Today · 4.125%
HK$122,647
baseline
▲ 0.50% · 4.625%
HK$129,112
+HK$6,465/mo
Deposit HK$15.29M · loan HK$22.93M · min. income ≈ HK$245,294/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,027
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$125,823
−HK$3,856/mo
Today · 4.125%
HK$129,679
baseline
▲ 0.50% · 4.625%
HK$137,570
+HK$7,891/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,358/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,754
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$139,395
−HK$3,693/mo
Today · 4.125%
HK$143,088
baseline
▲ 0.50% · 4.625%
HK$150,630
+HK$7,542/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,176/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,892
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$161,772
−HK$4,958/mo
Today · 4.125%
HK$166,730
baseline
▲ 0.50% · 4.625%
HK$176,875
+HK$10,145/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$333,460/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,540
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$179,222
−HK$4,748/mo
Today · 4.125%
HK$183,970
baseline
▲ 0.50% · 4.625%
HK$193,668
+HK$9,698/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$367,940/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,549 · Scale 2, in force from 26 Feb 2026)