LTV · monthly repayment
▼ 0.50% · 3.625%
HK$130,421
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$134,478
−HK$4,121/mo
Today · 4.125%
HK$138,599
baseline
▲ 0.50% · 4.625%
HK$147,033
+HK$8,434/mo
Deposit HK$28.60M · loan HK$28.60M · min. income ≈ HK$277,198/mo (50% DSR)
Upfront cash ≈ HK$31.03M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,092
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$148,983
−HK$3,948/mo
Today · 4.125%
HK$152,931
baseline
▲ 0.50% · 4.625%
HK$160,992
+HK$8,061/mo
Deposit HK$28.60M · loan HK$28.60M · min. income ≈ HK$305,862/mo (50% DSR)
Upfront cash ≈ HK$31.03M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,505
−HK$9,814/mo
▼ 0.25% · 3.875%
HK$161,373
−HK$4,946/mo
Today · 4.125%
HK$166,319
baseline
▲ 0.50% · 4.625%
HK$176,439
+HK$10,120/mo
Deposit HK$22.88M · loan HK$34.32M · min. income ≈ HK$332,638/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,110
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$178,780
−HK$4,737/mo
Today · 4.125%
HK$183,517
baseline
▲ 0.50% · 4.625%
HK$193,190
+HK$9,673/mo
Deposit HK$22.88M · loan HK$34.32M · min. income ≈ HK$367,034/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,589
−HK$11,450/mo
▼ 0.25% · 3.875%
HK$188,269
−HK$5,770/mo
Today · 4.125%
HK$194,039
baseline
▲ 0.50% · 4.625%
HK$205,846
+HK$11,807/mo
Deposit HK$17.16M · loan HK$40.04M · min. income ≈ HK$388,078/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,129
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$208,576
−HK$5,527/mo
Today · 4.125%
HK$214,103
baseline
▲ 0.50% · 4.625%
HK$225,389
+HK$11,286/mo
Deposit HK$17.16M · loan HK$40.04M · min. income ≈ HK$428,206/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,758
−HK$14,721/mo
▼ 0.25% · 3.875%
HK$242,060
−HK$7,419/mo
Today · 4.125%
HK$249,479
baseline
▲ 0.50% · 4.625%
HK$264,659
+HK$15,180/mo
Deposit HK$5.72M · loan HK$51.48M · min. income ≈ HK$498,958/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,165
−HK$14,110/mo
▼ 0.25% · 3.875%
HK$268,170
−HK$7,105/mo
Today · 4.125%
HK$275,275
baseline
▲ 0.50% · 4.625%
HK$289,785
+HK$14,510/mo
Deposit HK$5.72M · loan HK$51.48M · min. income ≈ HK$550,550/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$2,430,817 · Scale 2, in force from 26 Feb 2026)