LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,185
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,897
−HK$2,755/mo
Today · 4.125%
HK$92,652
baseline
▲ 0.50% · 4.625%
HK$98,290
+HK$5,638/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,304/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,992
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,594
−HK$2,639/mo
Today · 4.125%
HK$102,233
baseline
▲ 0.50% · 4.625%
HK$107,621
+HK$5,388/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,466/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,622
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,876
−HK$3,307/mo
Today · 4.125%
HK$111,183
baseline
▲ 0.50% · 4.625%
HK$117,948
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,366/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,391
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,512
−HK$3,167/mo
Today · 4.125%
HK$122,679
baseline
▲ 0.50% · 4.625%
HK$129,146
+HK$6,467/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,358/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,059
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,856
−HK$3,857/mo
Today · 4.125%
HK$129,713
baseline
▲ 0.50% · 4.625%
HK$137,606
+HK$7,893/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,426/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,789
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$139,431
−HK$3,695/mo
Today · 4.125%
HK$143,126
baseline
▲ 0.50% · 4.625%
HK$150,670
+HK$7,544/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,252/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,933
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$161,815
−HK$4,959/mo
Today · 4.125%
HK$166,774
baseline
▲ 0.50% · 4.625%
HK$176,922
+HK$10,148/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,548/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,586
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$179,269
−HK$4,750/mo
Today · 4.125%
HK$184,019
baseline
▲ 0.50% · 4.625%
HK$193,719
+HK$9,700/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,038/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,977 · Scale 2, in force from 26 Feb 2026)