LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,170
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,881
−HK$2,755/mo
Today · 4.125%
HK$92,636
baseline
▲ 0.50% · 4.625%
HK$98,273
+HK$5,637/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,272/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,976
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,577
−HK$2,638/mo
Today · 4.125%
HK$102,215
baseline
▲ 0.50% · 4.625%
HK$107,603
+HK$5,388/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,430/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,604
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,858
−HK$3,306/mo
Today · 4.125%
HK$111,164
baseline
▲ 0.50% · 4.625%
HK$117,928
+HK$6,764/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,328/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,371
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,492
−HK$3,166/mo
Today · 4.125%
HK$122,658
baseline
▲ 0.50% · 4.625%
HK$129,124
+HK$6,466/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,316/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,038
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,834
−HK$3,857/mo
Today · 4.125%
HK$129,691
baseline
▲ 0.50% · 4.625%
HK$137,582
+HK$7,891/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,382/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,766
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,407
−HK$3,694/mo
Today · 4.125%
HK$143,101
baseline
▲ 0.50% · 4.625%
HK$150,644
+HK$7,543/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,202/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,906
−HK$9,839/mo
▼ 0.25% · 3.875%
HK$161,787
−HK$4,958/mo
Today · 4.125%
HK$166,745
baseline
▲ 0.50% · 4.625%
HK$176,891
+HK$10,146/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,490/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,556
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,238
−HK$4,749/mo
Today · 4.125%
HK$183,987
baseline
▲ 0.50% · 4.625%
HK$193,685
+HK$9,698/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$367,974/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,697 · Scale 2, in force from 26 Feb 2026)