LTV · monthly repayment
▼ 0.50% · 3.625%
HK$140,340
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$144,705
−HK$4,435/mo
Today · 4.125%
HK$149,140
baseline
▲ 0.50% · 4.625%
HK$158,215
+HK$9,075/mo
Deposit HK$30.77M · loan HK$30.77M · min. income ≈ HK$298,280/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,127
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,314
−HK$4,248/mo
Today · 4.125%
HK$164,562
baseline
▲ 0.50% · 4.625%
HK$173,236
+HK$8,674/mo
Deposit HK$30.77M · loan HK$30.77M · min. income ≈ HK$329,124/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,408
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$173,646
−HK$5,322/mo
Today · 4.125%
HK$178,968
baseline
▲ 0.50% · 4.625%
HK$189,858
+HK$10,890/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$357,936/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,352
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$192,377
−HK$5,097/mo
Today · 4.125%
HK$197,474
baseline
▲ 0.50% · 4.625%
HK$207,883
+HK$10,409/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$394,948/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,476
−HK$12,321/mo
▼ 0.25% · 3.875%
HK$202,587
−HK$6,210/mo
Today · 4.125%
HK$208,797
baseline
▲ 0.50% · 4.625%
HK$221,501
+HK$12,704/mo
Deposit HK$18.46M · loan HK$43.08M · min. income ≈ HK$417,594/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,577
−HK$11,809/mo
▼ 0.25% · 3.875%
HK$224,439
−HK$5,947/mo
Today · 4.125%
HK$230,386
baseline
▲ 0.50% · 4.625%
HK$242,530
+HK$12,144/mo
Deposit HK$18.46M · loan HK$43.08M · min. income ≈ HK$460,772/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,612
−HK$15,841/mo
▼ 0.25% · 3.875%
HK$260,469
−HK$7,984/mo
Today · 4.125%
HK$268,453
baseline
▲ 0.50% · 4.625%
HK$284,787
+HK$16,334/mo
Deposit HK$6.15M · loan HK$55.39M · min. income ≈ HK$536,906/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,028
−HK$15,183/mo
▼ 0.25% · 3.875%
HK$288,565
−HK$7,646/mo
Today · 4.125%
HK$296,211
baseline
▲ 0.50% · 4.625%
HK$311,825
+HK$15,614/mo
Deposit HK$6.15M · loan HK$55.39M · min. income ≈ HK$592,422/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,690 · Scale 2, in force from 26 Feb 2026)