LTV · monthly repayment
▼ 0.50% · 3.625%
HK$137,534
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,812
−HK$4,347/mo
Today · 4.125%
HK$146,159
baseline
▲ 0.50% · 4.625%
HK$155,052
+HK$8,893/mo
Deposit HK$30.16M · loan HK$30.16M · min. income ≈ HK$292,318/mo (50% DSR)
Upfront cash ≈ HK$32.72M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,005
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,109
−HK$4,163/mo
Today · 4.125%
HK$161,272
baseline
▲ 0.50% · 4.625%
HK$169,773
+HK$8,501/mo
Deposit HK$30.16M · loan HK$30.16M · min. income ≈ HK$322,544/mo (50% DSR)
Upfront cash ≈ HK$32.72M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,041
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$170,175
−HK$5,216/mo
Today · 4.125%
HK$175,391
baseline
▲ 0.50% · 4.625%
HK$186,063
+HK$10,672/mo
Deposit HK$24.13M · loan HK$36.19M · min. income ≈ HK$350,782/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,607
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$188,531
−HK$4,995/mo
Today · 4.125%
HK$193,526
baseline
▲ 0.50% · 4.625%
HK$203,727
+HK$10,201/mo
Deposit HK$24.13M · loan HK$36.19M · min. income ≈ HK$387,052/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,548
−HK$12,074/mo
▼ 0.25% · 3.875%
HK$198,537
−HK$6,085/mo
Today · 4.125%
HK$204,622
baseline
▲ 0.50% · 4.625%
HK$217,073
+HK$12,451/mo
Deposit HK$18.09M · loan HK$42.22M · min. income ≈ HK$409,244/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,208
−HK$11,573/mo
▼ 0.25% · 3.875%
HK$219,953
−HK$5,828/mo
Today · 4.125%
HK$225,781
baseline
▲ 0.50% · 4.625%
HK$237,682
+HK$11,901/mo
Deposit HK$18.09M · loan HK$42.22M · min. income ≈ HK$451,562/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,562
−HK$15,524/mo
▼ 0.25% · 3.875%
HK$255,262
−HK$7,824/mo
Today · 4.125%
HK$263,086
baseline
▲ 0.50% · 4.625%
HK$279,094
+HK$16,008/mo
Deposit HK$6.03M · loan HK$54.28M · min. income ≈ HK$526,172/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,410
−HK$14,879/mo
▼ 0.25% · 3.875%
HK$282,796
−HK$7,493/mo
Today · 4.125%
HK$290,289
baseline
▲ 0.50% · 4.625%
HK$305,591
+HK$15,302/mo
Deposit HK$6.03M · loan HK$54.28M · min. income ≈ HK$580,578/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,563,399 · Scale 2, in force from 26 Feb 2026)