LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,285
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$145,680
−HK$4,465/mo
Today · 4.125%
HK$150,145
baseline
▲ 0.50% · 4.625%
HK$159,281
+HK$9,136/mo
Deposit HK$30.98M · loan HK$30.98M · min. income ≈ HK$300,290/mo (50% DSR)
Upfront cash ≈ HK$33.61M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,179
−HK$8,491/mo
▼ 0.25% · 3.875%
HK$161,394
−HK$4,276/mo
Today · 4.125%
HK$165,670
baseline
▲ 0.50% · 4.625%
HK$174,403
+HK$8,733/mo
Deposit HK$30.98M · loan HK$30.98M · min. income ≈ HK$331,340/mo (50% DSR)
Upfront cash ≈ HK$33.61M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,543
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$174,816
−HK$5,358/mo
Today · 4.125%
HK$180,174
baseline
▲ 0.50% · 4.625%
HK$191,138
+HK$10,964/mo
Deposit HK$24.78M · loan HK$37.18M · min. income ≈ HK$360,348/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,614
−HK$10,191/mo
▼ 0.25% · 3.875%
HK$193,673
−HK$5,132/mo
Today · 4.125%
HK$198,805
baseline
▲ 0.50% · 4.625%
HK$209,284
+HK$10,479/mo
Deposit HK$24.78M · loan HK$37.18M · min. income ≈ HK$397,610/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,800
−HK$12,403/mo
▼ 0.25% · 3.875%
HK$203,952
−HK$6,251/mo
Today · 4.125%
HK$210,203
baseline
▲ 0.50% · 4.625%
HK$222,994
+HK$12,791/mo
Deposit HK$18.59M · loan HK$43.37M · min. income ≈ HK$420,406/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,050
−HK$11,889/mo
▼ 0.25% · 3.875%
HK$225,952
−HK$5,987/mo
Today · 4.125%
HK$231,939
baseline
▲ 0.50% · 4.625%
HK$244,164
+HK$12,225/mo
Deposit HK$18.59M · loan HK$43.37M · min. income ≈ HK$463,878/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,314
−HK$15,947/mo
▼ 0.25% · 3.875%
HK$262,224
−HK$8,037/mo
Today · 4.125%
HK$270,261
baseline
▲ 0.50% · 4.625%
HK$286,706
+HK$16,445/mo
Deposit HK$6.20M · loan HK$55.76M · min. income ≈ HK$540,522/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,922
−HK$15,285/mo
▼ 0.25% · 3.875%
HK$290,509
−HK$7,698/mo
Today · 4.125%
HK$298,207
baseline
▲ 0.50% · 4.625%
HK$313,926
+HK$15,719/mo
Deposit HK$6.20M · loan HK$55.76M · min. income ≈ HK$596,414/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$2,633,314 · Scale 2, in force from 26 Feb 2026)