LTV · monthly repayment
▼ 0.50% · 3.625%
HK$137,040
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,303
−HK$4,331/mo
Today · 4.125%
HK$145,634
baseline
▲ 0.50% · 4.625%
HK$154,495
+HK$8,861/mo
Deposit HK$30.05M · loan HK$30.05M · min. income ≈ HK$291,268/mo (50% DSR)
Upfront cash ≈ HK$32.60M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,456
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$156,545
−HK$4,148/mo
Today · 4.125%
HK$160,693
baseline
▲ 0.50% · 4.625%
HK$169,163
+HK$8,470/mo
Deposit HK$30.05M · loan HK$30.05M · min. income ≈ HK$321,386/mo (50% DSR)
Upfront cash ≈ HK$32.60M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,448
−HK$10,313/mo
▼ 0.25% · 3.875%
HK$169,564
−HK$5,197/mo
Today · 4.125%
HK$174,761
baseline
▲ 0.50% · 4.625%
HK$185,394
+HK$10,633/mo
Deposit HK$24.04M · loan HK$36.06M · min. income ≈ HK$349,522/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,947
−HK$9,884/mo
▼ 0.25% · 3.875%
HK$187,854
−HK$4,977/mo
Today · 4.125%
HK$192,831
baseline
▲ 0.50% · 4.625%
HK$202,996
+HK$10,165/mo
Deposit HK$24.04M · loan HK$36.06M · min. income ≈ HK$385,662/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,856
−HK$12,031/mo
▼ 0.25% · 3.875%
HK$197,824
−HK$6,063/mo
Today · 4.125%
HK$203,887
baseline
▲ 0.50% · 4.625%
HK$216,294
+HK$12,407/mo
Deposit HK$18.03M · loan HK$42.07M · min. income ≈ HK$407,774/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,438
−HK$11,532/mo
▼ 0.25% · 3.875%
HK$219,163
−HK$5,807/mo
Today · 4.125%
HK$224,970
baseline
▲ 0.50% · 4.625%
HK$236,828
+HK$11,858/mo
Deposit HK$18.03M · loan HK$42.07M · min. income ≈ HK$449,940/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,673
−HK$15,468/mo
▼ 0.25% · 3.875%
HK$254,345
−HK$7,796/mo
Today · 4.125%
HK$262,141
baseline
▲ 0.50% · 4.625%
HK$278,092
+HK$15,951/mo
Deposit HK$6.01M · loan HK$54.09M · min. income ≈ HK$524,282/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,421
−HK$14,826/mo
▼ 0.25% · 3.875%
HK$281,781
−HK$7,466/mo
Today · 4.125%
HK$289,247
baseline
▲ 0.50% · 4.625%
HK$304,493
+HK$15,246/mo
Deposit HK$6.01M · loan HK$54.09M · min. income ≈ HK$578,494/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$2,554,192 · Scale 2, in force from 26 Feb 2026)