LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,639
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,045
−HK$4,477/mo
Today · 4.125%
HK$150,522
baseline
▲ 0.50% · 4.625%
HK$159,680
+HK$9,158/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$301,044/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,572
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,798
−HK$4,288/mo
Today · 4.125%
HK$166,086
baseline
▲ 0.50% · 4.625%
HK$174,840
+HK$8,754/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$332,172/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,967
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,254
−HK$5,372/mo
Today · 4.125%
HK$180,626
baseline
▲ 0.50% · 4.625%
HK$191,616
+HK$10,990/mo
Deposit HK$24.85M · loan HK$37.27M · min. income ≈ HK$361,252/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,087
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$194,158
−HK$5,145/mo
Today · 4.125%
HK$199,303
baseline
▲ 0.50% · 4.625%
HK$209,808
+HK$10,505/mo
Deposit HK$24.85M · loan HK$37.27M · min. income ≈ HK$398,606/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,295
−HK$12,435/mo
▼ 0.25% · 3.875%
HK$204,463
−HK$6,267/mo
Today · 4.125%
HK$210,730
baseline
▲ 0.50% · 4.625%
HK$223,553
+HK$12,823/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$421,460/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,601
−HK$11,919/mo
▼ 0.25% · 3.875%
HK$226,518
−HK$6,002/mo
Today · 4.125%
HK$232,520
baseline
▲ 0.50% · 4.625%
HK$244,776
+HK$12,256/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$465,040/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,951
−HK$15,988/mo
▼ 0.25% · 3.875%
HK$262,881
−HK$8,058/mo
Today · 4.125%
HK$270,939
baseline
▲ 0.50% · 4.625%
HK$287,425
+HK$16,486/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$541,878/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,630
−HK$15,324/mo
▼ 0.25% · 3.875%
HK$291,237
−HK$7,717/mo
Today · 4.125%
HK$298,954
baseline
▲ 0.50% · 4.625%
HK$314,712
+HK$15,758/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$597,908/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,913 · Scale 2, in force from 26 Feb 2026)