LTV · monthly repayment
▼ 0.50% · 3.625%
HK$139,573
−HK$8,752/mo
▼ 0.25% · 3.875%
HK$143,915
−HK$4,410/mo
Today · 4.125%
HK$148,325
baseline
▲ 0.50% · 4.625%
HK$157,351
+HK$9,026/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$296,650/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,274
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$159,438
−HK$4,225/mo
Today · 4.125%
HK$163,663
baseline
▲ 0.50% · 4.625%
HK$172,289
+HK$8,626/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$327,326/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,488
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$172,697
−HK$5,294/mo
Today · 4.125%
HK$177,991
baseline
▲ 0.50% · 4.625%
HK$188,821
+HK$10,830/mo
Deposit HK$24.48M · loan HK$36.73M · min. income ≈ HK$355,982/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,328
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,326
−HK$5,069/mo
Today · 4.125%
HK$196,395
baseline
▲ 0.50% · 4.625%
HK$206,747
+HK$10,352/mo
Deposit HK$24.48M · loan HK$36.73M · min. income ≈ HK$392,790/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,402
−HK$12,254/mo
▼ 0.25% · 3.875%
HK$201,480
−HK$6,176/mo
Today · 4.125%
HK$207,656
baseline
▲ 0.50% · 4.625%
HK$220,291
+HK$12,635/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$415,312/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,383
−HK$11,745/mo
▼ 0.25% · 3.875%
HK$223,213
−HK$5,915/mo
Today · 4.125%
HK$229,128
baseline
▲ 0.50% · 4.625%
HK$241,205
+HK$12,077/mo
Deposit HK$18.36M · loan HK$42.85M · min. income ≈ HK$458,256/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,231
−HK$15,755/mo
▼ 0.25% · 3.875%
HK$259,046
−HK$7,940/mo
Today · 4.125%
HK$266,986
baseline
▲ 0.50% · 4.625%
HK$283,231
+HK$16,245/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$533,972/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,492
−HK$15,101/mo
▼ 0.25% · 3.875%
HK$286,988
−HK$7,605/mo
Today · 4.125%
HK$294,593
baseline
▲ 0.50% · 4.625%
HK$310,121
+HK$15,528/mo
Deposit HK$6.12M · loan HK$55.09M · min. income ≈ HK$589,186/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,601,398 · Scale 2, in force from 26 Feb 2026)