LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,386
−HK$8,866/mo
▼ 0.25% · 3.875%
HK$145,784
−HK$4,468/mo
Today · 4.125%
HK$150,252
baseline
▲ 0.50% · 4.625%
HK$159,394
+HK$9,142/mo
Deposit HK$31.00M · loan HK$31.00M · min. income ≈ HK$300,504/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,290
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$161,509
−HK$4,279/mo
Today · 4.125%
HK$165,788
baseline
▲ 0.50% · 4.625%
HK$174,527
+HK$8,739/mo
Deposit HK$31.00M · loan HK$31.00M · min. income ≈ HK$331,576/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,663
−HK$10,639/mo
▼ 0.25% · 3.875%
HK$174,940
−HK$5,362/mo
Today · 4.125%
HK$180,302
baseline
▲ 0.50% · 4.625%
HK$191,273
+HK$10,971/mo
Deposit HK$24.80M · loan HK$37.20M · min. income ≈ HK$360,604/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,748
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$193,810
−HK$5,136/mo
Today · 4.125%
HK$198,946
baseline
▲ 0.50% · 4.625%
HK$209,432
+HK$10,486/mo
Deposit HK$24.80M · loan HK$37.20M · min. income ≈ HK$397,892/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,940
−HK$12,413/mo
▼ 0.25% · 3.875%
HK$204,097
−HK$6,256/mo
Today · 4.125%
HK$210,353
baseline
▲ 0.50% · 4.625%
HK$223,152
+HK$12,799/mo
Deposit HK$18.60M · loan HK$43.40M · min. income ≈ HK$420,706/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,206
−HK$11,897/mo
▼ 0.25% · 3.875%
HK$226,112
−HK$5,991/mo
Today · 4.125%
HK$232,103
baseline
▲ 0.50% · 4.625%
HK$244,338
+HK$12,235/mo
Deposit HK$18.60M · loan HK$43.40M · min. income ≈ HK$464,206/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,494
−HK$15,959/mo
▼ 0.25% · 3.875%
HK$262,411
−HK$8,042/mo
Today · 4.125%
HK$270,453
baseline
▲ 0.50% · 4.625%
HK$286,910
+HK$16,457/mo
Deposit HK$6.20M · loan HK$55.80M · min. income ≈ HK$540,906/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,122
−HK$15,297/mo
▼ 0.25% · 3.875%
HK$290,716
−HK$7,703/mo
Today · 4.125%
HK$298,419
baseline
▲ 0.50% · 4.625%
HK$314,149
+HK$15,730/mo
Deposit HK$6.20M · loan HK$55.80M · min. income ≈ HK$596,838/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,184 · Scale 2, in force from 26 Feb 2026)