LTV · monthly repayment
▼ 0.50% · 3.625%
HK$141,640
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,046
−HK$4,476/mo
Today · 4.125%
HK$150,522
baseline
▲ 0.50% · 4.625%
HK$159,681
+HK$9,159/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$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,573
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,799
−HK$4,288/mo
Today · 4.125%
HK$166,087
baseline
▲ 0.50% · 4.625%
HK$174,841
+HK$8,754/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$332,174/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,968
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,255
−HK$5,372/mo
Today · 4.125%
HK$180,627
baseline
▲ 0.50% · 4.625%
HK$191,618
+HK$10,991/mo
Deposit HK$24.85M · loan HK$37.27M · min. income ≈ HK$361,254/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,088
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$194,159
−HK$5,145/mo
Today · 4.125%
HK$199,304
baseline
▲ 0.50% · 4.625%
HK$209,809
+HK$10,505/mo
Deposit HK$24.85M · loan HK$37.27M · min. income ≈ HK$398,608/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,296
−HK$12,435/mo
▼ 0.25% · 3.875%
HK$204,464
−HK$6,267/mo
Today · 4.125%
HK$210,731
baseline
▲ 0.50% · 4.625%
HK$223,554
+HK$12,823/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$421,462/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,603
−HK$11,918/mo
▼ 0.25% · 3.875%
HK$226,519
−HK$6,002/mo
Today · 4.125%
HK$232,521
baseline
▲ 0.50% · 4.625%
HK$244,778
+HK$12,257/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$465,042/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,952
−HK$15,988/mo
▼ 0.25% · 3.875%
HK$262,883
−HK$8,057/mo
Today · 4.125%
HK$270,940
baseline
▲ 0.50% · 4.625%
HK$287,426
+HK$16,486/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$541,880/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,632
−HK$15,324/mo
▼ 0.25% · 3.875%
HK$291,239
−HK$7,717/mo
Today · 4.125%
HK$298,956
baseline
▲ 0.50% · 4.625%
HK$314,714
+HK$15,758/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$597,912/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,927 · Scale 2, in force from 26 Feb 2026)