LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,174
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,886
−HK$2,755/mo
Today · 4.125%
HK$92,641
baseline
▲ 0.50% · 4.625%
HK$98,278
+HK$5,637/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,980
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,581
−HK$2,639/mo
Today · 4.125%
HK$102,220
baseline
▲ 0.50% · 4.625%
HK$107,608
+HK$5,388/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,440/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,609
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,863
−HK$3,306/mo
Today · 4.125%
HK$111,169
baseline
▲ 0.50% · 4.625%
HK$117,933
+HK$6,764/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,338/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,376
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,498
−HK$3,166/mo
Today · 4.125%
HK$122,664
baseline
▲ 0.50% · 4.625%
HK$129,130
+HK$6,466/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,328/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,044
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,840
−HK$3,857/mo
Today · 4.125%
HK$129,697
baseline
▲ 0.50% · 4.625%
HK$137,589
+HK$7,892/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,394/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,772
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,414
−HK$3,694/mo
Today · 4.125%
HK$143,108
baseline
▲ 0.50% · 4.625%
HK$150,651
+HK$7,543/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,216/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,913
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$161,794
−HK$4,959/mo
Today · 4.125%
HK$166,753
baseline
▲ 0.50% · 4.625%
HK$176,900
+HK$10,147/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,506/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,565
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,246
−HK$4,750/mo
Today · 4.125%
HK$183,996
baseline
▲ 0.50% · 4.625%
HK$193,694
+HK$9,698/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$367,992/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,774 · Scale 2, in force from 26 Feb 2026)