LTV · monthly repayment
▼ 0.50% · 3.625%
HK$142,408
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,837
−HK$4,501/mo
Today · 4.125%
HK$151,338
baseline
▲ 0.50% · 4.625%
HK$160,546
+HK$9,208/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$302,676/mo (50% DSR)
Upfront cash ≈ HK$33.88M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,427
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,676
−HK$4,310/mo
Today · 4.125%
HK$166,986
baseline
▲ 0.50% · 4.625%
HK$175,788
+HK$8,802/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$333,972/mo (50% DSR)
Upfront cash ≈ HK$33.88M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,889
−HK$10,716/mo
▼ 0.25% · 3.875%
HK$176,205
−HK$5,400/mo
Today · 4.125%
HK$181,605
baseline
▲ 0.50% · 4.625%
HK$192,656
+HK$11,051/mo
Deposit HK$24.98M · loan HK$37.47M · min. income ≈ HK$363,210/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,112
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$195,211
−HK$5,173/mo
Today · 4.125%
HK$200,384
baseline
▲ 0.50% · 4.625%
HK$210,946
+HK$10,562/mo
Deposit HK$24.98M · loan HK$37.47M · min. income ≈ HK$400,768/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,371
−HK$12,502/mo
▼ 0.25% · 3.875%
HK$205,572
−HK$6,301/mo
Today · 4.125%
HK$211,873
baseline
▲ 0.50% · 4.625%
HK$224,765
+HK$12,892/mo
Deposit HK$18.74M · loan HK$43.72M · min. income ≈ HK$423,746/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,798
−HK$11,983/mo
▼ 0.25% · 3.875%
HK$227,746
−HK$6,035/mo
Today · 4.125%
HK$233,781
baseline
▲ 0.50% · 4.625%
HK$246,104
+HK$12,323/mo
Deposit HK$18.74M · loan HK$43.72M · min. income ≈ HK$467,562/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,334
−HK$16,074/mo
▼ 0.25% · 3.875%
HK$264,307
−HK$8,101/mo
Today · 4.125%
HK$272,408
baseline
▲ 0.50% · 4.625%
HK$288,983
+HK$16,575/mo
Deposit HK$6.25M · loan HK$56.21M · min. income ≈ HK$544,816/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,169
−HK$15,406/mo
▼ 0.25% · 3.875%
HK$292,817
−HK$7,758/mo
Today · 4.125%
HK$300,575
baseline
▲ 0.50% · 4.625%
HK$316,419
+HK$15,844/mo
Deposit HK$6.25M · loan HK$56.21M · min. income ≈ HK$601,150/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,229 · Scale 2, in force from 26 Feb 2026)