LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,175
−HK$5,466/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$19.12M · loan HK$19.12M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,981
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,582
−HK$2,639/mo
Today · 4.125%
HK$102,221
baseline
▲ 0.50% · 4.625%
HK$107,609
+HK$5,388/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,442/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,610
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,864
−HK$3,306/mo
Today · 4.125%
HK$111,170
baseline
▲ 0.50% · 4.625%
HK$117,934
+HK$6,764/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,340/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,377
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,498
−HK$3,167/mo
Today · 4.125%
HK$122,665
baseline
▲ 0.50% · 4.625%
HK$129,131
+HK$6,466/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,330/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,045
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,841
−HK$3,857/mo
Today · 4.125%
HK$129,698
baseline
▲ 0.50% · 4.625%
HK$137,590
+HK$7,892/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,396/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,774
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,415
−HK$3,694/mo
Today · 4.125%
HK$143,109
baseline
▲ 0.50% · 4.625%
HK$150,652
+HK$7,543/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,218/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,915
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$161,796
−HK$4,959/mo
Today · 4.125%
HK$166,755
baseline
▲ 0.50% · 4.625%
HK$176,901
+HK$10,146/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,510/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,566
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,248
−HK$4,749/mo
Today · 4.125%
HK$183,997
baseline
▲ 0.50% · 4.625%
HK$193,696
+HK$9,699/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$367,994/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,786 · Scale 2, in force from 26 Feb 2026)