LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,632
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,038
−HK$4,476/mo
Today · 4.125%
HK$150,514
baseline
▲ 0.50% · 4.625%
HK$159,672
+HK$9,158/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$301,028/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,564
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$161,790
−HK$4,287/mo
Today · 4.125%
HK$166,077
baseline
▲ 0.50% · 4.625%
HK$174,831
+HK$8,754/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$332,154/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,958
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$175,245
−HK$5,371/mo
Today · 4.125%
HK$180,616
baseline
▲ 0.50% · 4.625%
HK$191,606
+HK$10,990/mo
Deposit HK$24.84M · loan HK$37.27M · min. income ≈ HK$361,232/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,077
−HK$10,215/mo
▼ 0.25% · 3.875%
HK$194,148
−HK$5,144/mo
Today · 4.125%
HK$199,292
baseline
▲ 0.50% · 4.625%
HK$209,797
+HK$10,505/mo
Deposit HK$24.84M · loan HK$37.27M · min. income ≈ HK$398,584/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,285
−HK$12,434/mo
▼ 0.25% · 3.875%
HK$204,453
−HK$6,266/mo
Today · 4.125%
HK$210,719
baseline
▲ 0.50% · 4.625%
HK$223,541
+HK$12,822/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$421,438/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,590
−HK$11,918/mo
▼ 0.25% · 3.875%
HK$226,506
−HK$6,002/mo
Today · 4.125%
HK$232,508
baseline
▲ 0.50% · 4.625%
HK$244,763
+HK$12,255/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$465,016/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,938
−HK$15,986/mo
▼ 0.25% · 3.875%
HK$262,868
−HK$8,056/mo
Today · 4.125%
HK$270,924
baseline
▲ 0.50% · 4.625%
HK$287,409
+HK$16,485/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$541,848/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,615
−HK$15,323/mo
▼ 0.25% · 3.875%
HK$291,222
−HK$7,716/mo
Today · 4.125%
HK$298,938
baseline
▲ 0.50% · 4.625%
HK$314,696
+HK$15,758/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$597,876/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,773 · Scale 2, in force from 26 Feb 2026)