LTV · monthly repayment
▼ 0.50% · 3.625%
HK$132,178
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,289
−HK$4,177/mo
Today · 4.125%
HK$140,466
baseline
▲ 0.50% · 4.625%
HK$149,013
+HK$8,547/mo
Deposit HK$28.98M · loan HK$28.98M · min. income ≈ HK$280,932/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,046
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$150,990
−HK$4,001/mo
Today · 4.125%
HK$154,991
baseline
▲ 0.50% · 4.625%
HK$163,160
+HK$8,169/mo
Deposit HK$28.98M · loan HK$28.98M · min. income ≈ HK$309,982/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,613
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$163,547
−HK$5,013/mo
Today · 4.125%
HK$168,560
baseline
▲ 0.50% · 4.625%
HK$178,816
+HK$10,256/mo
Deposit HK$23.19M · loan HK$34.78M · min. income ≈ HK$337,120/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,455
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$181,188
−HK$4,801/mo
Today · 4.125%
HK$185,989
baseline
▲ 0.50% · 4.625%
HK$195,793
+HK$9,804/mo
Deposit HK$23.19M · loan HK$34.78M · min. income ≈ HK$371,978/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,049
−HK$11,604/mo
▼ 0.25% · 3.875%
HK$190,805
−HK$5,848/mo
Today · 4.125%
HK$196,653
baseline
▲ 0.50% · 4.625%
HK$208,619
+HK$11,966/mo
Deposit HK$17.39M · loan HK$40.58M · min. income ≈ HK$393,306/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,865
−HK$11,122/mo
▼ 0.25% · 3.875%
HK$211,386
−HK$5,601/mo
Today · 4.125%
HK$216,987
baseline
▲ 0.50% · 4.625%
HK$228,425
+HK$11,438/mo
Deposit HK$17.39M · loan HK$40.58M · min. income ≈ HK$433,974/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,920
−HK$14,919/mo
▼ 0.25% · 3.875%
HK$245,320
−HK$7,519/mo
Today · 4.125%
HK$252,839
baseline
▲ 0.50% · 4.625%
HK$268,224
+HK$15,385/mo
Deposit HK$5.80M · loan HK$52.17M · min. income ≈ HK$505,678/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,683
−HK$14,300/mo
▼ 0.25% · 3.875%
HK$271,782
−HK$7,201/mo
Today · 4.125%
HK$278,983
baseline
▲ 0.50% · 4.625%
HK$293,689
+HK$14,706/mo
Deposit HK$5.80M · loan HK$52.17M · min. income ≈ HK$557,966/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$2,463,560 · Scale 2, in force from 26 Feb 2026)