LTV · monthly repayment
▼ 0.50% · 3.625%
HK$140,470
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$144,839
−HK$4,439/mo
Today · 4.125%
HK$149,278
baseline
▲ 0.50% · 4.625%
HK$158,362
+HK$9,084/mo
Deposit HK$30.80M · loan HK$30.80M · min. income ≈ HK$298,556/mo (50% DSR)
Upfront cash ≈ HK$33.42M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,271
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$160,462
−HK$4,252/mo
Today · 4.125%
HK$164,714
baseline
▲ 0.50% · 4.625%
HK$173,396
+HK$8,682/mo
Deposit HK$30.80M · loan HK$30.80M · min. income ≈ HK$329,428/mo (50% DSR)
Upfront cash ≈ HK$33.42M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,564
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$173,807
−HK$5,327/mo
Today · 4.125%
HK$179,134
baseline
▲ 0.50% · 4.625%
HK$190,034
+HK$10,900/mo
Deposit HK$24.64M · loan HK$36.96M · min. income ≈ HK$358,268/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,525
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$192,555
−HK$5,102/mo
Today · 4.125%
HK$197,657
baseline
▲ 0.50% · 4.625%
HK$208,075
+HK$10,418/mo
Deposit HK$24.64M · loan HK$36.96M · min. income ≈ HK$395,314/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,658
−HK$12,332/mo
▼ 0.25% · 3.875%
HK$202,775
−HK$6,215/mo
Today · 4.125%
HK$208,990
baseline
▲ 0.50% · 4.625%
HK$221,706
+HK$12,716/mo
Deposit HK$18.48M · loan HK$43.12M · min. income ≈ HK$417,980/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,780
−HK$11,820/mo
▼ 0.25% · 3.875%
HK$224,647
−HK$5,953/mo
Today · 4.125%
HK$230,600
baseline
▲ 0.50% · 4.625%
HK$242,755
+HK$12,155/mo
Deposit HK$18.48M · loan HK$43.12M · min. income ≈ HK$461,200/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,845
−HK$15,856/mo
▼ 0.25% · 3.875%
HK$260,710
−HK$7,991/mo
Today · 4.125%
HK$268,701
baseline
▲ 0.50% · 4.625%
HK$285,051
+HK$16,350/mo
Deposit HK$6.16M · loan HK$55.44M · min. income ≈ HK$537,402/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,288
−HK$15,197/mo
▼ 0.25% · 3.875%
HK$288,832
−HK$7,653/mo
Today · 4.125%
HK$296,485
baseline
▲ 0.50% · 4.625%
HK$312,113
+HK$15,628/mo
Deposit HK$6.16M · loan HK$55.44M · min. income ≈ HK$592,970/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$2,618,110 · Scale 2, in force from 26 Feb 2026)