LTV · monthly repayment
▼ 0.50% · 3.625%
HK$138,791
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,108
−HK$4,386/mo
Today · 4.125%
HK$147,494
baseline
▲ 0.50% · 4.625%
HK$156,469
+HK$8,975/mo
Deposit HK$30.43M · loan HK$30.43M · min. income ≈ HK$294,988/mo (50% DSR)
Upfront cash ≈ HK$33.02M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,403
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,544
−HK$4,201/mo
Today · 4.125%
HK$162,745
baseline
▲ 0.50% · 4.625%
HK$171,324
+HK$8,579/mo
Deposit HK$30.43M · loan HK$30.43M · min. income ≈ HK$325,490/mo (50% DSR)
Upfront cash ≈ HK$33.02M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,549
−HK$10,444/mo
▼ 0.25% · 3.875%
HK$171,729
−HK$5,264/mo
Today · 4.125%
HK$176,993
baseline
▲ 0.50% · 4.625%
HK$187,762
+HK$10,769/mo
Deposit HK$24.35M · loan HK$36.52M · min. income ≈ HK$353,986/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,284
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$190,253
−HK$5,041/mo
Today · 4.125%
HK$195,294
baseline
▲ 0.50% · 4.625%
HK$205,588
+HK$10,294/mo
Deposit HK$24.35M · loan HK$36.52M · min. income ≈ HK$390,588/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,307
−HK$12,185/mo
▼ 0.25% · 3.875%
HK$200,351
−HK$6,141/mo
Today · 4.125%
HK$206,492
baseline
▲ 0.50% · 4.625%
HK$219,056
+HK$12,564/mo
Deposit HK$18.26M · loan HK$42.61M · min. income ≈ HK$412,984/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,165
−HK$11,678/mo
▼ 0.25% · 3.875%
HK$221,962
−HK$5,881/mo
Today · 4.125%
HK$227,843
baseline
▲ 0.50% · 4.625%
HK$239,853
+HK$12,010/mo
Deposit HK$18.26M · loan HK$42.61M · min. income ≈ HK$455,686/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,823
−HK$15,666/mo
▼ 0.25% · 3.875%
HK$257,594
−HK$7,895/mo
Today · 4.125%
HK$265,489
baseline
▲ 0.50% · 4.625%
HK$281,644
+HK$16,155/mo
Deposit HK$6.09M · loan HK$54.78M · min. income ≈ HK$530,978/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,926
−HK$15,015/mo
▼ 0.25% · 3.875%
HK$285,380
−HK$7,561/mo
Today · 4.125%
HK$292,941
baseline
▲ 0.50% · 4.625%
HK$308,383
+HK$15,442/mo
Deposit HK$6.09M · loan HK$54.78M · min. income ≈ HK$585,882/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$2,586,816 · Scale 2, in force from 26 Feb 2026)