LTV · monthly repayment
▼ 0.50% · 3.625%
HK$140,673
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$145,049
−HK$4,446/mo
Today · 4.125%
HK$149,495
baseline
▲ 0.50% · 4.625%
HK$158,591
+HK$9,096/mo
Deposit HK$30.85M · loan HK$30.85M · min. income ≈ HK$298,990/mo (50% DSR)
Upfront cash ≈ HK$33.47M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,498
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$160,695
−HK$4,258/mo
Today · 4.125%
HK$164,953
baseline
▲ 0.50% · 4.625%
HK$173,648
+HK$8,695/mo
Deposit HK$30.85M · loan HK$30.85M · min. income ≈ HK$329,906/mo (50% DSR)
Upfront cash ≈ HK$33.47M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,808
−HK$10,586/mo
▼ 0.25% · 3.875%
HK$174,059
−HK$5,335/mo
Today · 4.125%
HK$179,394
baseline
▲ 0.50% · 4.625%
HK$190,309
+HK$10,915/mo
Deposit HK$24.68M · loan HK$37.02M · min. income ≈ HK$358,788/mo (50% DSR)
Upfront cash ≈ HK$27.30M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,797
−HK$10,146/mo
▼ 0.25% · 3.875%
HK$192,834
−HK$5,109/mo
Today · 4.125%
HK$197,943
baseline
▲ 0.50% · 4.625%
HK$208,377
+HK$10,434/mo
Deposit HK$24.68M · loan HK$37.02M · min. income ≈ HK$395,886/mo (50% DSR)
Upfront cash ≈ HK$27.30M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,943
−HK$12,350/mo
▼ 0.25% · 3.875%
HK$203,069
−HK$6,224/mo
Today · 4.125%
HK$209,293
baseline
▲ 0.50% · 4.625%
HK$222,028
+HK$12,735/mo
Deposit HK$18.51M · loan HK$43.18M · min. income ≈ HK$418,586/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,097
−HK$11,837/mo
▼ 0.25% · 3.875%
HK$224,973
−HK$5,961/mo
Today · 4.125%
HK$230,934
baseline
▲ 0.50% · 4.625%
HK$243,107
+HK$12,173/mo
Deposit HK$18.51M · loan HK$43.18M · min. income ≈ HK$461,868/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,212
−HK$15,878/mo
▼ 0.25% · 3.875%
HK$261,088
−HK$8,002/mo
Today · 4.125%
HK$269,090
baseline
▲ 0.50% · 4.625%
HK$285,464
+HK$16,374/mo
Deposit HK$6.17M · loan HK$55.52M · min. income ≈ HK$538,180/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,696
−HK$15,219/mo
▼ 0.25% · 3.875%
HK$289,251
−HK$7,664/mo
Today · 4.125%
HK$296,915
baseline
▲ 0.50% · 4.625%
HK$312,566
+HK$15,651/mo
Deposit HK$6.17M · loan HK$55.52M · min. income ≈ HK$593,830/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$2,621,904 · Scale 2, in force from 26 Feb 2026)