LTV · monthly repayment
▼ 0.50% · 3.625%
HK$142,650
−HK$8,946/mo
▼ 0.25% · 3.875%
HK$147,087
−HK$4,509/mo
Today · 4.125%
HK$151,596
baseline
▲ 0.50% · 4.625%
HK$160,820
+HK$9,224/mo
Deposit HK$31.28M · loan HK$31.28M · min. income ≈ HK$303,192/mo (50% DSR)
Upfront cash ≈ HK$33.94M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,697
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$162,953
−HK$4,318/mo
Today · 4.125%
HK$167,271
baseline
▲ 0.50% · 4.625%
HK$176,088
+HK$8,817/mo
Deposit HK$31.28M · loan HK$31.28M · min. income ≈ HK$334,542/mo (50% DSR)
Upfront cash ≈ HK$33.94M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,180
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$176,505
−HK$5,410/mo
Today · 4.125%
HK$181,915
baseline
▲ 0.50% · 4.625%
HK$192,984
+HK$11,069/mo
Deposit HK$25.02M · loan HK$37.54M · min. income ≈ HK$363,830/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,436
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$195,544
−HK$5,181/mo
Today · 4.125%
HK$200,725
baseline
▲ 0.50% · 4.625%
HK$211,306
+HK$10,581/mo
Deposit HK$25.02M · loan HK$37.54M · min. income ≈ HK$401,450/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,710
−HK$12,524/mo
▼ 0.25% · 3.875%
HK$205,922
−HK$6,312/mo
Today · 4.125%
HK$212,234
baseline
▲ 0.50% · 4.625%
HK$225,148
+HK$12,914/mo
Deposit HK$18.77M · loan HK$43.79M · min. income ≈ HK$424,468/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,176
−HK$12,003/mo
▼ 0.25% · 3.875%
HK$228,134
−HK$6,045/mo
Today · 4.125%
HK$234,179
baseline
▲ 0.50% · 4.625%
HK$246,523
+HK$12,344/mo
Deposit HK$18.77M · loan HK$43.79M · min. income ≈ HK$468,358/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,770
−HK$16,102/mo
▼ 0.25% · 3.875%
HK$264,757
−HK$8,115/mo
Today · 4.125%
HK$272,872
baseline
▲ 0.50% · 4.625%
HK$289,476
+HK$16,604/mo
Deposit HK$6.26M · loan HK$56.30M · min. income ≈ HK$545,744/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,655
−HK$15,433/mo
▼ 0.25% · 3.875%
HK$293,316
−HK$7,772/mo
Today · 4.125%
HK$301,088
baseline
▲ 0.50% · 4.625%
HK$316,958
+HK$15,870/mo
Deposit HK$6.26M · loan HK$56.30M · min. income ≈ HK$602,176/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,658,752 · Scale 2, in force from 26 Feb 2026)