LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,184
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,896
−HK$2,755/mo
Today · 4.125%
HK$92,651
baseline
▲ 0.50% · 4.625%
HK$98,288
+HK$5,637/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,302/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,991
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,592
−HK$2,639/mo
Today · 4.125%
HK$102,231
baseline
▲ 0.50% · 4.625%
HK$107,620
+HK$5,389/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,462/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,620
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,875
−HK$3,306/mo
Today · 4.125%
HK$111,181
baseline
▲ 0.50% · 4.625%
HK$117,946
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,362/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,389
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,511
−HK$3,166/mo
Today · 4.125%
HK$122,677
baseline
▲ 0.50% · 4.625%
HK$129,144
+HK$6,467/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,354/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,057
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,854
−HK$3,857/mo
Today · 4.125%
HK$129,711
baseline
▲ 0.50% · 4.625%
HK$137,604
+HK$7,893/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,422/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,787
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,429
−HK$3,694/mo
Today · 4.125%
HK$143,123
baseline
▲ 0.50% · 4.625%
HK$150,668
+HK$7,545/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,246/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,931
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$161,812
−HK$4,960/mo
Today · 4.125%
HK$166,772
baseline
▲ 0.50% · 4.625%
HK$176,919
+HK$10,147/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,544/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,584
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,266
−HK$4,750/mo
Today · 4.125%
HK$184,016
baseline
▲ 0.50% · 4.625%
HK$193,716
+HK$9,700/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,032/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,952 · Scale 2, in force from 26 Feb 2026)