LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,200
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$145,592
−HK$4,463/mo
Today · 4.125%
HK$150,055
baseline
▲ 0.50% · 4.625%
HK$159,185
+HK$9,130/mo
Deposit HK$30.96M · loan HK$30.96M · min. income ≈ HK$300,110/mo (50% DSR)
Upfront cash ≈ HK$33.59M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,084
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$161,297
−HK$4,274/mo
Today · 4.125%
HK$165,571
baseline
▲ 0.50% · 4.625%
HK$174,298
+HK$8,727/mo
Deposit HK$30.96M · loan HK$30.96M · min. income ≈ HK$331,142/mo (50% DSR)
Upfront cash ≈ HK$33.59M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,440
−HK$10,626/mo
▼ 0.25% · 3.875%
HK$174,711
−HK$5,355/mo
Today · 4.125%
HK$180,066
baseline
▲ 0.50% · 4.625%
HK$191,022
+HK$10,956/mo
Deposit HK$24.77M · loan HK$37.15M · min. income ≈ HK$360,132/mo (50% DSR)
Upfront cash ≈ HK$27.40M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,501
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$193,556
−HK$5,129/mo
Today · 4.125%
HK$198,685
baseline
▲ 0.50% · 4.625%
HK$209,158
+HK$10,473/mo
Deposit HK$24.77M · loan HK$37.15M · min. income ≈ HK$397,370/mo (50% DSR)
Upfront cash ≈ HK$27.40M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,680
−HK$12,397/mo
▼ 0.25% · 3.875%
HK$203,829
−HK$6,248/mo
Today · 4.125%
HK$210,077
baseline
▲ 0.50% · 4.625%
HK$222,859
+HK$12,782/mo
Deposit HK$18.58M · loan HK$43.35M · min. income ≈ HK$420,154/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,917
−HK$11,882/mo
▼ 0.25% · 3.875%
HK$225,815
−HK$5,984/mo
Today · 4.125%
HK$231,799
baseline
▲ 0.50% · 4.625%
HK$244,017
+HK$12,218/mo
Deposit HK$18.58M · loan HK$43.35M · min. income ≈ HK$463,598/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,160
−HK$15,939/mo
▼ 0.25% · 3.875%
HK$262,066
−HK$8,033/mo
Today · 4.125%
HK$270,099
baseline
▲ 0.50% · 4.625%
HK$286,533
+HK$16,434/mo
Deposit HK$6.19M · loan HK$55.73M · min. income ≈ HK$540,198/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,751
−HK$15,276/mo
▼ 0.25% · 3.875%
HK$290,334
−HK$7,693/mo
Today · 4.125%
HK$298,027
baseline
▲ 0.50% · 4.625%
HK$313,736
+HK$15,709/mo
Deposit HK$6.19M · loan HK$55.73M · min. income ≈ HK$596,054/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$2,631,726 · Scale 2, in force from 26 Feb 2026)