LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,176
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,888
−HK$2,755/mo
Today · 4.125%
HK$92,643
baseline
▲ 0.50% · 4.625%
HK$98,280
+HK$5,637/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,286/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,983
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,584
−HK$2,639/mo
Today · 4.125%
HK$102,223
baseline
▲ 0.50% · 4.625%
HK$107,611
+HK$5,388/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,446/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,612
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,866
−HK$3,306/mo
Today · 4.125%
HK$111,172
baseline
▲ 0.50% · 4.625%
HK$117,936
+HK$6,764/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,344/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,379
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,501
−HK$3,166/mo
Today · 4.125%
HK$122,667
baseline
▲ 0.50% · 4.625%
HK$129,133
+HK$6,466/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,334/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,047
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,843
−HK$3,857/mo
Today · 4.125%
HK$129,700
baseline
▲ 0.50% · 4.625%
HK$137,592
+HK$7,892/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,400/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,776
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,417
−HK$3,695/mo
Today · 4.125%
HK$143,112
baseline
▲ 0.50% · 4.625%
HK$150,655
+HK$7,543/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,224/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,917
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$161,799
−HK$4,959/mo
Today · 4.125%
HK$166,758
baseline
▲ 0.50% · 4.625%
HK$176,904
+HK$10,146/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,516/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,569
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,251
−HK$4,750/mo
Today · 4.125%
HK$184,001
baseline
▲ 0.50% · 4.625%
HK$193,699
+HK$9,698/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,002/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,816 · Scale 2, in force from 26 Feb 2026)