LTV · monthly repayment
▼ 0.50% · 3.625%
HK$137,788
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$142,074
−HK$4,354/mo
Today · 4.125%
HK$146,428
baseline
▲ 0.50% · 4.625%
HK$155,338
+HK$8,910/mo
Deposit HK$30.21M · loan HK$30.21M · min. income ≈ HK$292,856/mo (50% DSR)
Upfront cash ≈ HK$32.78M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,288
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$157,399
−HK$4,170/mo
Today · 4.125%
HK$161,569
baseline
▲ 0.50% · 4.625%
HK$170,086
+HK$8,517/mo
Deposit HK$30.21M · loan HK$30.21M · min. income ≈ HK$323,138/mo (50% DSR)
Upfront cash ≈ HK$32.78M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,345
−HK$10,369/mo
▼ 0.25% · 3.875%
HK$170,489
−HK$5,225/mo
Today · 4.125%
HK$175,714
baseline
▲ 0.50% · 4.625%
HK$186,406
+HK$10,692/mo
Deposit HK$24.17M · loan HK$36.26M · min. income ≈ HK$351,428/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,945
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$188,878
−HK$5,005/mo
Today · 4.125%
HK$193,883
baseline
▲ 0.50% · 4.625%
HK$204,103
+HK$10,220/mo
Deposit HK$24.17M · loan HK$36.26M · min. income ≈ HK$387,766/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,903
−HK$12,097/mo
▼ 0.25% · 3.875%
HK$198,903
−HK$6,097/mo
Today · 4.125%
HK$205,000
baseline
▲ 0.50% · 4.625%
HK$217,473
+HK$12,473/mo
Deposit HK$18.13M · loan HK$42.30M · min. income ≈ HK$410,000/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,603
−HK$11,594/mo
▼ 0.25% · 3.875%
HK$220,358
−HK$5,839/mo
Today · 4.125%
HK$226,197
baseline
▲ 0.50% · 4.625%
HK$238,120
+HK$11,923/mo
Deposit HK$18.13M · loan HK$42.30M · min. income ≈ HK$452,394/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,018
−HK$15,553/mo
▼ 0.25% · 3.875%
HK$255,733
−HK$7,838/mo
Today · 4.125%
HK$263,571
baseline
▲ 0.50% · 4.625%
HK$279,609
+HK$16,038/mo
Deposit HK$6.04M · loan HK$54.38M · min. income ≈ HK$527,142/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,918
−HK$14,907/mo
▼ 0.25% · 3.875%
HK$283,318
−HK$7,507/mo
Today · 4.125%
HK$290,825
baseline
▲ 0.50% · 4.625%
HK$306,154
+HK$15,329/mo
Deposit HK$6.04M · loan HK$54.38M · min. income ≈ HK$581,650/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$2,568,124 · Scale 2, in force from 26 Feb 2026)