LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,404
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$145,802
−HK$4,469/mo
Today · 4.125%
HK$150,271
baseline
▲ 0.50% · 4.625%
HK$159,414
+HK$9,143/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$300,542/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,310
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$161,529
−HK$4,280/mo
Today · 4.125%
HK$165,809
baseline
▲ 0.50% · 4.625%
HK$174,549
+HK$8,740/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$331,618/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,684
−HK$10,641/mo
▼ 0.25% · 3.875%
HK$174,962
−HK$5,363/mo
Today · 4.125%
HK$180,325
baseline
▲ 0.50% · 4.625%
HK$191,297
+HK$10,972/mo
Deposit HK$24.80M · loan HK$37.21M · min. income ≈ HK$360,650/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,772
−HK$10,199/mo
▼ 0.25% · 3.875%
HK$193,835
−HK$5,136/mo
Today · 4.125%
HK$198,971
baseline
▲ 0.50% · 4.625%
HK$209,459
+HK$10,488/mo
Deposit HK$24.80M · loan HK$37.21M · min. income ≈ HK$397,942/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,965
−HK$12,414/mo
▼ 0.25% · 3.875%
HK$204,123
−HK$6,256/mo
Today · 4.125%
HK$210,379
baseline
▲ 0.50% · 4.625%
HK$223,180
+HK$12,801/mo
Deposit HK$18.60M · loan HK$43.41M · min. income ≈ HK$420,758/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,234
−HK$11,899/mo
▼ 0.25% · 3.875%
HK$226,141
−HK$5,992/mo
Today · 4.125%
HK$232,133
baseline
▲ 0.50% · 4.625%
HK$244,369
+HK$12,236/mo
Deposit HK$18.60M · loan HK$43.41M · min. income ≈ HK$464,266/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,526
−HK$15,961/mo
▼ 0.25% · 3.875%
HK$262,444
−HK$8,043/mo
Today · 4.125%
HK$270,487
baseline
▲ 0.50% · 4.625%
HK$286,946
+HK$16,459/mo
Deposit HK$6.20M · loan HK$55.81M · min. income ≈ HK$540,974/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,158
−HK$15,298/mo
▼ 0.25% · 3.875%
HK$290,752
−HK$7,704/mo
Today · 4.125%
HK$298,456
baseline
▲ 0.50% · 4.625%
HK$314,188
+HK$15,732/mo
Deposit HK$6.20M · loan HK$55.81M · min. income ≈ HK$596,912/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,516 · Scale 2, in force from 26 Feb 2026)