LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,540
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$145,943
−HK$4,473/mo
Today · 4.125%
HK$150,416
baseline
▲ 0.50% · 4.625%
HK$159,569
+HK$9,153/mo
Deposit HK$31.04M · loan HK$31.04M · min. income ≈ HK$300,832/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,462
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$161,685
−HK$4,285/mo
Today · 4.125%
HK$165,970
baseline
▲ 0.50% · 4.625%
HK$174,718
+HK$8,748/mo
Deposit HK$31.04M · loan HK$31.04M · min. income ≈ HK$331,940/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,849
−HK$10,651/mo
▼ 0.25% · 3.875%
HK$175,132
−HK$5,368/mo
Today · 4.125%
HK$180,500
baseline
▲ 0.50% · 4.625%
HK$191,483
+HK$10,983/mo
Deposit HK$24.83M · loan HK$37.24M · min. income ≈ HK$361,000/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,955
−HK$10,208/mo
▼ 0.25% · 3.875%
HK$194,022
−HK$5,141/mo
Today · 4.125%
HK$199,163
baseline
▲ 0.50% · 4.625%
HK$209,662
+HK$10,499/mo
Deposit HK$24.83M · loan HK$37.24M · min. income ≈ HK$398,326/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,157
−HK$12,426/mo
▼ 0.25% · 3.875%
HK$204,320
−HK$6,263/mo
Today · 4.125%
HK$210,583
baseline
▲ 0.50% · 4.625%
HK$223,396
+HK$12,813/mo
Deposit HK$18.62M · loan HK$43.45M · min. income ≈ HK$421,166/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,447
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$226,360
−HK$5,997/mo
Today · 4.125%
HK$232,357
baseline
▲ 0.50% · 4.625%
HK$244,605
+HK$12,248/mo
Deposit HK$18.62M · loan HK$43.45M · min. income ≈ HK$464,714/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,773
−HK$15,976/mo
▼ 0.25% · 3.875%
HK$262,698
−HK$8,051/mo
Today · 4.125%
HK$270,749
baseline
▲ 0.50% · 4.625%
HK$287,224
+HK$16,475/mo
Deposit HK$6.21M · loan HK$55.86M · min. income ≈ HK$541,498/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,432
−HK$15,313/mo
▼ 0.25% · 3.875%
HK$291,034
−HK$7,711/mo
Today · 4.125%
HK$298,745
baseline
▲ 0.50% · 4.625%
HK$314,492
+HK$15,747/mo
Deposit HK$6.21M · loan HK$55.86M · min. income ≈ HK$597,490/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,638,068 · Scale 2, in force from 26 Feb 2026)