LTV · monthly repayment
▼ 0.50% · 3.625%
HK$137,775
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$142,061
−HK$4,354/mo
Today · 4.125%
HK$146,415
baseline
▲ 0.50% · 4.625%
HK$155,324
+HK$8,909/mo
Deposit HK$30.21M · loan HK$30.21M · min. income ≈ HK$292,830/mo (50% DSR)
Upfront cash ≈ HK$32.78M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,274
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,384
−HK$4,170/mo
Today · 4.125%
HK$161,554
baseline
▲ 0.50% · 4.625%
HK$170,070
+HK$8,516/mo
Deposit HK$30.21M · loan HK$30.21M · min. income ≈ HK$323,108/mo (50% DSR)
Upfront cash ≈ HK$32.78M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,330
−HK$10,368/mo
▼ 0.25% · 3.875%
HK$170,473
−HK$5,225/mo
Today · 4.125%
HK$175,698
baseline
▲ 0.50% · 4.625%
HK$186,389
+HK$10,691/mo
Deposit HK$24.17M · loan HK$36.25M · min. income ≈ HK$351,396/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,928
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$188,861
−HK$5,004/mo
Today · 4.125%
HK$193,865
baseline
▲ 0.50% · 4.625%
HK$204,084
+HK$10,219/mo
Deposit HK$24.17M · loan HK$36.25M · min. income ≈ HK$387,730/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,885
−HK$12,096/mo
▼ 0.25% · 3.875%
HK$198,885
−HK$6,096/mo
Today · 4.125%
HK$204,981
baseline
▲ 0.50% · 4.625%
HK$217,454
+HK$12,473/mo
Deposit HK$18.13M · loan HK$42.29M · min. income ≈ HK$409,962/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,583
−HK$11,593/mo
▼ 0.25% · 3.875%
HK$220,338
−HK$5,838/mo
Today · 4.125%
HK$226,176
baseline
▲ 0.50% · 4.625%
HK$238,098
+HK$11,922/mo
Deposit HK$18.13M · loan HK$42.29M · min. income ≈ HK$452,352/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,995
−HK$15,552/mo
▼ 0.25% · 3.875%
HK$255,710
−HK$7,837/mo
Today · 4.125%
HK$263,547
baseline
▲ 0.50% · 4.625%
HK$279,583
+HK$16,036/mo
Deposit HK$6.04M · loan HK$54.38M · min. income ≈ HK$527,094/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,892
−HK$14,906/mo
▼ 0.25% · 3.875%
HK$283,292
−HK$7,506/mo
Today · 4.125%
HK$290,798
baseline
▲ 0.50% · 4.625%
HK$306,126
+HK$15,328/mo
Deposit HK$6.04M · loan HK$54.38M · min. income ≈ HK$581,596/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,567,891 · Scale 2, in force from 26 Feb 2026)