LTV · monthly repayment
▼ 0.50% · 3.625%
HK$131,560
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,652
−HK$4,158/mo
Today · 4.125%
HK$139,810
baseline
▲ 0.50% · 4.625%
HK$148,317
+HK$8,507/mo
Deposit HK$28.85M · loan HK$28.85M · min. income ≈ HK$279,620/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,359
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,284
−HK$3,982/mo
Today · 4.125%
HK$154,266
baseline
▲ 0.50% · 4.625%
HK$162,398
+HK$8,132/mo
Deposit HK$28.85M · loan HK$28.85M · min. income ≈ HK$308,532/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,872
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$162,782
−HK$4,990/mo
Today · 4.125%
HK$167,772
baseline
▲ 0.50% · 4.625%
HK$177,980
+HK$10,208/mo
Deposit HK$23.08M · loan HK$34.62M · min. income ≈ HK$335,544/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,631
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,341
−HK$4,778/mo
Today · 4.125%
HK$185,119
baseline
▲ 0.50% · 4.625%
HK$194,877
+HK$9,758/mo
Deposit HK$23.08M · loan HK$34.62M · min. income ≈ HK$370,238/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,184
−HK$11,549/mo
▼ 0.25% · 3.875%
HK$189,913
−HK$5,820/mo
Today · 4.125%
HK$195,733
baseline
▲ 0.50% · 4.625%
HK$207,643
+HK$11,910/mo
Deposit HK$17.31M · loan HK$40.39M · min. income ≈ HK$391,466/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,902
−HK$11,071/mo
▼ 0.25% · 3.875%
HK$210,398
−HK$5,575/mo
Today · 4.125%
HK$215,973
baseline
▲ 0.50% · 4.625%
HK$227,357
+HK$11,384/mo
Deposit HK$17.31M · loan HK$40.39M · min. income ≈ HK$431,946/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,807
−HK$14,850/mo
▼ 0.25% · 3.875%
HK$244,173
−HK$7,484/mo
Today · 4.125%
HK$251,657
baseline
▲ 0.50% · 4.625%
HK$266,970
+HK$15,313/mo
Deposit HK$5.77M · loan HK$51.93M · min. income ≈ HK$503,314/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,446
−HK$14,233/mo
▼ 0.25% · 3.875%
HK$270,511
−HK$7,168/mo
Today · 4.125%
HK$277,679
baseline
▲ 0.50% · 4.625%
HK$292,316
+HK$14,637/mo
Deposit HK$5.77M · loan HK$51.93M · min. income ≈ HK$555,358/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,452,043 · Scale 2, in force from 26 Feb 2026)