LTV · monthly repayment
▼ 0.50% · 3.625%
HK$142,383
−HK$8,928/mo
▼ 0.25% · 3.875%
HK$146,812
−HK$4,499/mo
Today · 4.125%
HK$151,311
baseline
▲ 0.50% · 4.625%
HK$160,518
+HK$9,207/mo
Deposit HK$31.22M · loan HK$31.22M · min. income ≈ HK$302,622/mo (50% DSR)
Upfront cash ≈ HK$33.87M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,399
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$162,648
−HK$4,309/mo
Today · 4.125%
HK$166,957
baseline
▲ 0.50% · 4.625%
HK$175,758
+HK$8,801/mo
Deposit HK$31.22M · loan HK$31.22M · min. income ≈ HK$333,914/mo (50% DSR)
Upfront cash ≈ HK$33.87M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,859
−HK$10,715/mo
▼ 0.25% · 3.875%
HK$176,174
−HK$5,400/mo
Today · 4.125%
HK$181,574
baseline
▲ 0.50% · 4.625%
HK$192,622
+HK$11,048/mo
Deposit HK$24.98M · loan HK$37.46M · min. income ≈ HK$363,148/mo (50% DSR)
Upfront cash ≈ HK$27.63M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,079
−HK$10,270/mo
▼ 0.25% · 3.875%
HK$195,177
−HK$5,172/mo
Today · 4.125%
HK$200,349
baseline
▲ 0.50% · 4.625%
HK$210,909
+HK$10,560/mo
Deposit HK$24.98M · loan HK$37.46M · min. income ≈ HK$400,698/mo (50% DSR)
Upfront cash ≈ HK$27.63M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,336
−HK$12,500/mo
▼ 0.25% · 3.875%
HK$205,536
−HK$6,300/mo
Today · 4.125%
HK$211,836
baseline
▲ 0.50% · 4.625%
HK$224,726
+HK$12,890/mo
Deposit HK$18.73M · loan HK$43.71M · min. income ≈ HK$423,672/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,759
−HK$11,981/mo
▼ 0.25% · 3.875%
HK$227,707
−HK$6,033/mo
Today · 4.125%
HK$233,740
baseline
▲ 0.50% · 4.625%
HK$246,061
+HK$12,321/mo
Deposit HK$18.73M · loan HK$43.71M · min. income ≈ HK$467,480/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,289
−HK$16,072/mo
▼ 0.25% · 3.875%
HK$264,261
−HK$8,100/mo
Today · 4.125%
HK$272,361
baseline
▲ 0.50% · 4.625%
HK$288,933
+HK$16,572/mo
Deposit HK$6.24M · loan HK$56.20M · min. income ≈ HK$544,722/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,119
−HK$15,404/mo
▼ 0.25% · 3.875%
HK$292,766
−HK$7,757/mo
Today · 4.125%
HK$300,523
baseline
▲ 0.50% · 4.625%
HK$316,364
+HK$15,841/mo
Deposit HK$6.24M · loan HK$56.20M · min. income ≈ HK$601,046/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,766 · Scale 2, in force from 26 Feb 2026)