LTV · monthly repayment
▼ 0.50% · 3.625%
HK$142,734
−HK$8,951/mo
▼ 0.25% · 3.875%
HK$147,174
−HK$4,511/mo
Today · 4.125%
HK$151,685
baseline
▲ 0.50% · 4.625%
HK$160,914
+HK$9,229/mo
Deposit HK$31.30M · loan HK$31.30M · min. income ≈ HK$303,370/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,790
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$163,049
−HK$4,320/mo
Today · 4.125%
HK$167,369
baseline
▲ 0.50% · 4.625%
HK$176,191
+HK$8,822/mo
Deposit HK$31.30M · loan HK$31.30M · min. income ≈ HK$334,738/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,281
−HK$10,741/mo
▼ 0.25% · 3.875%
HK$176,609
−HK$5,413/mo
Today · 4.125%
HK$182,022
baseline
▲ 0.50% · 4.625%
HK$193,097
+HK$11,075/mo
Deposit HK$25.04M · loan HK$37.56M · min. income ≈ HK$364,044/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,548
−HK$10,295/mo
▼ 0.25% · 3.875%
HK$195,658
−HK$5,185/mo
Today · 4.125%
HK$200,843
baseline
▲ 0.50% · 4.625%
HK$211,429
+HK$10,586/mo
Deposit HK$25.04M · loan HK$37.56M · min. income ≈ HK$401,686/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,827
−HK$12,531/mo
▼ 0.25% · 3.875%
HK$206,043
−HK$6,315/mo
Today · 4.125%
HK$212,358
baseline
▲ 0.50% · 4.625%
HK$225,280
+HK$12,922/mo
Deposit HK$18.78M · loan HK$43.82M · min. income ≈ HK$424,716/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,306
−HK$12,011/mo
▼ 0.25% · 3.875%
HK$228,268
−HK$6,049/mo
Today · 4.125%
HK$234,317
baseline
▲ 0.50% · 4.625%
HK$246,668
+HK$12,351/mo
Deposit HK$18.78M · loan HK$43.82M · min. income ≈ HK$468,634/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,921
−HK$16,111/mo
▼ 0.25% · 3.875%
HK$264,913
−HK$8,119/mo
Today · 4.125%
HK$273,032
baseline
▲ 0.50% · 4.625%
HK$289,646
+HK$16,614/mo
Deposit HK$6.26M · loan HK$56.34M · min. income ≈ HK$546,064/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,822
−HK$15,442/mo
▼ 0.25% · 3.875%
HK$293,488
−HK$7,776/mo
Today · 4.125%
HK$301,264
baseline
▲ 0.50% · 4.625%
HK$317,144
+HK$15,880/mo
Deposit HK$6.26M · loan HK$56.34M · min. income ≈ HK$602,528/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,660,312 · Scale 2, in force from 26 Feb 2026)