LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,213
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,925
−HK$2,757/mo
Today · 4.125%
HK$92,682
baseline
▲ 0.50% · 4.625%
HK$98,321
+HK$5,639/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,364/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,023
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,625
−HK$2,640/mo
Today · 4.125%
HK$102,265
baseline
▲ 0.50% · 4.625%
HK$107,656
+HK$5,391/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,530/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,655
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,910
−HK$3,308/mo
Today · 4.125%
HK$111,218
baseline
▲ 0.50% · 4.625%
HK$117,985
+HK$6,767/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$222,436/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,428
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,550
−HK$3,168/mo
Today · 4.125%
HK$122,718
baseline
▲ 0.50% · 4.625%
HK$129,187
+HK$6,469/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$245,436/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,098
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,896
−HK$3,858/mo
Today · 4.125%
HK$129,754
baseline
▲ 0.50% · 4.625%
HK$137,649
+HK$7,895/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,508/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,832
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$139,475
−HK$3,696/mo
Today · 4.125%
HK$143,171
baseline
▲ 0.50% · 4.625%
HK$150,718
+HK$7,547/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,342/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,983
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$161,866
−HK$4,961/mo
Today · 4.125%
HK$166,827
baseline
▲ 0.50% · 4.625%
HK$176,978
+HK$10,151/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$333,654/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,642
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$179,325
−HK$4,752/mo
Today · 4.125%
HK$184,077
baseline
▲ 0.50% · 4.625%
HK$193,780
+HK$9,703/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$368,154/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,491 · Scale 2, in force from 26 Feb 2026)