LTV · monthly repayment
▼ 0.50% · 3.625%
HK$131,560
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,653
−HK$4,157/mo
Today · 4.125%
HK$139,810
baseline
▲ 0.50% · 4.625%
HK$148,318
+HK$8,508/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$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,360
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,285
−HK$3,982/mo
Today · 4.125%
HK$154,267
baseline
▲ 0.50% · 4.625%
HK$162,399
+HK$8,132/mo
Deposit HK$28.85M · loan HK$28.85M · min. income ≈ HK$308,534/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,872
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$162,783
−HK$4,989/mo
Today · 4.125%
HK$167,772
baseline
▲ 0.50% · 4.625%
HK$177,981
+HK$10,209/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$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,632
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,342
−HK$4,778/mo
Today · 4.125%
HK$185,120
baseline
▲ 0.50% · 4.625%
HK$194,878
+HK$9,758/mo
Deposit HK$23.08M · loan HK$34.62M · min. income ≈ HK$370,240/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,185
−HK$11,550/mo
▼ 0.25% · 3.875%
HK$189,914
−HK$5,821/mo
Today · 4.125%
HK$195,735
baseline
▲ 0.50% · 4.625%
HK$207,645
+HK$11,910/mo
Deposit HK$17.31M · loan HK$40.39M · min. income ≈ HK$391,470/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,903
−HK$11,071/mo
▼ 0.25% · 3.875%
HK$210,399
−HK$5,575/mo
Today · 4.125%
HK$215,974
baseline
▲ 0.50% · 4.625%
HK$227,358
+HK$11,384/mo
Deposit HK$17.31M · loan HK$40.39M · min. income ≈ HK$431,948/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,809
−HK$14,850/mo
▼ 0.25% · 3.875%
HK$244,175
−HK$7,484/mo
Today · 4.125%
HK$251,659
baseline
▲ 0.50% · 4.625%
HK$266,972
+HK$15,313/mo
Deposit HK$5.77M · loan HK$51.93M · min. income ≈ HK$503,318/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,447
−HK$14,234/mo
▼ 0.25% · 3.875%
HK$270,513
−HK$7,168/mo
Today · 4.125%
HK$277,681
baseline
▲ 0.50% · 4.625%
HK$292,318
+HK$14,637/mo
Deposit HK$5.77M · loan HK$51.93M · min. income ≈ HK$555,362/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,452,057 · Scale 2, in force from 26 Feb 2026)