LTV · monthly repayment
▼ 0.50% · 3.625%
HK$139,501
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$143,841
−HK$4,408/mo
Today · 4.125%
HK$148,249
baseline
▲ 0.50% · 4.625%
HK$157,270
+HK$9,021/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$296,498/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,194
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,356
−HK$4,223/mo
Today · 4.125%
HK$163,579
baseline
▲ 0.50% · 4.625%
HK$172,201
+HK$8,622/mo
Deposit HK$30.59M · loan HK$30.59M · min. income ≈ HK$327,158/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,402
−HK$10,497/mo
▼ 0.25% · 3.875%
HK$172,609
−HK$5,290/mo
Today · 4.125%
HK$177,899
baseline
▲ 0.50% · 4.625%
HK$188,724
+HK$10,825/mo
Deposit HK$24.47M · loan HK$36.71M · min. income ≈ HK$355,798/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,233
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$191,227
−HK$5,067/mo
Today · 4.125%
HK$196,294
baseline
▲ 0.50% · 4.625%
HK$206,641
+HK$10,347/mo
Deposit HK$24.47M · loan HK$36.71M · min. income ≈ HK$392,588/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,302
−HK$12,247/mo
▼ 0.25% · 3.875%
HK$201,377
−HK$6,172/mo
Today · 4.125%
HK$207,549
baseline
▲ 0.50% · 4.625%
HK$220,178
+HK$12,629/mo
Deposit HK$18.35M · loan HK$42.82M · min. income ≈ HK$415,098/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,272
−HK$11,738/mo
▼ 0.25% · 3.875%
HK$223,099
−HK$5,911/mo
Today · 4.125%
HK$229,010
baseline
▲ 0.50% · 4.625%
HK$241,082
+HK$12,072/mo
Deposit HK$18.35M · loan HK$42.82M · min. income ≈ HK$458,020/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,103
−HK$15,746/mo
▼ 0.25% · 3.875%
HK$258,913
−HK$7,936/mo
Today · 4.125%
HK$266,849
baseline
▲ 0.50% · 4.625%
HK$283,086
+HK$16,237/mo
Deposit HK$6.12M · loan HK$55.06M · min. income ≈ HK$533,698/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,349
−HK$15,093/mo
▼ 0.25% · 3.875%
HK$286,841
−HK$7,601/mo
Today · 4.125%
HK$294,442
baseline
▲ 0.50% · 4.625%
HK$309,962
+HK$15,520/mo
Deposit HK$6.12M · loan HK$55.06M · min. income ≈ HK$588,884/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,064 · Scale 2, in force from 26 Feb 2026)