LTV · monthly repayment
▼ 0.50% · 3.625%
HK$132,000
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$136,106
−HK$4,171/mo
Today · 4.125%
HK$140,277
baseline
▲ 0.50% · 4.625%
HK$148,813
+HK$8,536/mo
Deposit HK$28.94M · loan HK$28.94M · min. income ≈ HK$280,554/mo (50% DSR)
Upfront cash ≈ HK$31.40M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,848
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,787
−HK$3,995/mo
Today · 4.125%
HK$154,782
baseline
▲ 0.50% · 4.625%
HK$162,941
+HK$8,159/mo
Deposit HK$28.94M · loan HK$28.94M · min. income ≈ HK$309,564/mo (50% DSR)
Upfront cash ≈ HK$31.40M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,400
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,327
−HK$5,006/mo
Today · 4.125%
HK$168,333
baseline
▲ 0.50% · 4.625%
HK$178,575
+HK$10,242/mo
Deposit HK$23.16M · loan HK$34.73M · min. income ≈ HK$336,666/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,218
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,944
−HK$4,795/mo
Today · 4.125%
HK$185,739
baseline
▲ 0.50% · 4.625%
HK$195,529
+HK$9,790/mo
Deposit HK$23.16M · loan HK$34.73M · min. income ≈ HK$371,478/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,800
−HK$11,588/mo
▼ 0.25% · 3.875%
HK$190,548
−HK$5,840/mo
Today · 4.125%
HK$196,388
baseline
▲ 0.50% · 4.625%
HK$208,338
+HK$11,950/mo
Deposit HK$17.37M · loan HK$40.52M · min. income ≈ HK$392,776/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,588
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$211,102
−HK$5,593/mo
Today · 4.125%
HK$216,695
baseline
▲ 0.50% · 4.625%
HK$228,117
+HK$11,422/mo
Deposit HK$17.37M · loan HK$40.52M · min. income ≈ HK$433,390/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,600
−HK$14,899/mo
▼ 0.25% · 3.875%
HK$244,990
−HK$7,509/mo
Today · 4.125%
HK$252,499
baseline
▲ 0.50% · 4.625%
HK$267,863
+HK$15,364/mo
Deposit HK$5.79M · loan HK$52.10M · min. income ≈ HK$504,998/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,327
−HK$14,281/mo
▼ 0.25% · 3.875%
HK$271,416
−HK$7,192/mo
Today · 4.125%
HK$278,608
baseline
▲ 0.50% · 4.625%
HK$293,294
+HK$14,686/mo
Deposit HK$5.79M · loan HK$52.10M · min. income ≈ HK$557,216/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,460,246 · Scale 2, in force from 26 Feb 2026)