LTV · monthly repayment
▼ 0.50% · 3.625%
HK$139,766
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$144,113
−HK$4,417/mo
Today · 4.125%
HK$148,530
baseline
▲ 0.50% · 4.625%
HK$157,568
+HK$9,038/mo
Deposit HK$30.65M · loan HK$30.65M · min. income ≈ HK$297,060/mo (50% DSR)
Upfront cash ≈ HK$33.25M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,488
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$159,658
−HK$4,231/mo
Today · 4.125%
HK$163,889
baseline
▲ 0.50% · 4.625%
HK$172,527
+HK$8,638/mo
Deposit HK$30.65M · loan HK$30.65M · min. income ≈ HK$327,778/mo (50% DSR)
Upfront cash ≈ HK$33.25M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,719
−HK$10,518/mo
▼ 0.25% · 3.875%
HK$172,936
−HK$5,301/mo
Today · 4.125%
HK$178,237
baseline
▲ 0.50% · 4.625%
HK$189,082
+HK$10,845/mo
Deposit HK$24.52M · loan HK$36.78M · min. income ≈ HK$356,474/mo (50% DSR)
Upfront cash ≈ HK$27.12M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,586
−HK$10,080/mo
▼ 0.25% · 3.875%
HK$191,590
−HK$5,076/mo
Today · 4.125%
HK$196,666
baseline
▲ 0.50% · 4.625%
HK$207,033
+HK$10,367/mo
Deposit HK$24.52M · loan HK$36.78M · min. income ≈ HK$393,332/mo (50% DSR)
Upfront cash ≈ HK$27.12M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,672
−HK$12,271/mo
▼ 0.25% · 3.875%
HK$201,759
−HK$6,184/mo
Today · 4.125%
HK$207,943
baseline
▲ 0.50% · 4.625%
HK$220,595
+HK$12,652/mo
Deposit HK$18.39M · loan HK$42.91M · min. income ≈ HK$415,886/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,683
−HK$11,761/mo
▼ 0.25% · 3.875%
HK$223,522
−HK$5,922/mo
Today · 4.125%
HK$229,444
baseline
▲ 0.50% · 4.625%
HK$241,538
+HK$12,094/mo
Deposit HK$18.39M · loan HK$42.91M · min. income ≈ HK$458,888/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,579
−HK$15,776/mo
▼ 0.25% · 3.875%
HK$259,404
−HK$7,951/mo
Today · 4.125%
HK$267,355
baseline
▲ 0.50% · 4.625%
HK$283,623
+HK$16,268/mo
Deposit HK$6.13M · loan HK$55.16M · min. income ≈ HK$534,710/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,879
−HK$15,121/mo
▼ 0.25% · 3.875%
HK$287,385
−HK$7,615/mo
Today · 4.125%
HK$295,000
baseline
▲ 0.50% · 4.625%
HK$310,549
+HK$15,549/mo
Deposit HK$6.13M · loan HK$55.16M · min. income ≈ HK$590,000/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$2,604,992 · Scale 2, in force from 26 Feb 2026)