LTV · monthly repayment
▼ 0.50% · 3.625%
HK$142,786
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$147,227
−HK$4,512/mo
Today · 4.125%
HK$151,739
baseline
▲ 0.50% · 4.625%
HK$160,972
+HK$9,233/mo
Deposit HK$31.31M · loan HK$31.31M · min. income ≈ HK$303,478/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,847
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$163,108
−HK$4,322/mo
Today · 4.125%
HK$167,430
baseline
▲ 0.50% · 4.625%
HK$176,255
+HK$8,825/mo
Deposit HK$31.31M · loan HK$31.31M · min. income ≈ HK$334,860/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,343
−HK$10,744/mo
▼ 0.25% · 3.875%
HK$176,672
−HK$5,415/mo
Today · 4.125%
HK$182,087
baseline
▲ 0.50% · 4.625%
HK$193,167
+HK$11,080/mo
Deposit HK$25.05M · loan HK$37.57M · min. income ≈ HK$364,174/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,617
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$195,729
−HK$5,186/mo
Today · 4.125%
HK$200,915
baseline
▲ 0.50% · 4.625%
HK$211,506
+HK$10,591/mo
Deposit HK$25.05M · loan HK$37.57M · min. income ≈ HK$401,830/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,900
−HK$12,535/mo
▼ 0.25% · 3.875%
HK$206,118
−HK$6,317/mo
Today · 4.125%
HK$212,435
baseline
▲ 0.50% · 4.625%
HK$225,361
+HK$12,926/mo
Deposit HK$18.79M · loan HK$43.83M · min. income ≈ HK$424,870/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,386
−HK$12,015/mo
▼ 0.25% · 3.875%
HK$228,351
−HK$6,050/mo
Today · 4.125%
HK$234,401
baseline
▲ 0.50% · 4.625%
HK$246,757
+HK$12,356/mo
Deposit HK$18.79M · loan HK$43.83M · min. income ≈ HK$468,802/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,014
−HK$16,117/mo
▼ 0.25% · 3.875%
HK$265,009
−HK$8,122/mo
Today · 4.125%
HK$273,131
baseline
▲ 0.50% · 4.625%
HK$289,750
+HK$16,619/mo
Deposit HK$6.26M · loan HK$56.36M · min. income ≈ HK$546,262/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,925
−HK$15,448/mo
▼ 0.25% · 3.875%
HK$293,594
−HK$7,779/mo
Today · 4.125%
HK$301,373
baseline
▲ 0.50% · 4.625%
HK$317,259
+HK$15,886/mo
Deposit HK$6.26M · loan HK$56.36M · min. income ≈ HK$602,746/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,661,274 · Scale 2, in force from 26 Feb 2026)