LTV · monthly repayment
▼ 0.50% · 3.625%
HK$142,786
−HK$8,954/mo
▼ 0.25% · 3.875%
HK$147,228
−HK$4,512/mo
Today · 4.125%
HK$151,740
baseline
▲ 0.50% · 4.625%
HK$160,973
+HK$9,233/mo
Deposit HK$31.31M · loan HK$31.31M · min. income ≈ HK$303,480/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,848
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$163,108
−HK$4,322/mo
Today · 4.125%
HK$167,430
baseline
▲ 0.50% · 4.625%
HK$176,256
+HK$8,826/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$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,343
−HK$10,745/mo
▼ 0.25% · 3.875%
HK$176,673
−HK$5,415/mo
Today · 4.125%
HK$182,088
baseline
▲ 0.50% · 4.625%
HK$193,168
+HK$11,080/mo
Deposit HK$25.05M · loan HK$37.57M · min. income ≈ HK$364,176/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,618
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$195,730
−HK$5,186/mo
Today · 4.125%
HK$200,916
baseline
▲ 0.50% · 4.625%
HK$211,507
+HK$10,591/mo
Deposit HK$25.05M · loan HK$37.57M · min. income ≈ HK$401,832/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,901
−HK$12,535/mo
▼ 0.25% · 3.875%
HK$206,119
−HK$6,317/mo
Today · 4.125%
HK$212,436
baseline
▲ 0.50% · 4.625%
HK$225,362
+HK$12,926/mo
Deposit HK$18.79M · loan HK$43.83M · min. income ≈ HK$424,872/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,387
−HK$12,015/mo
▼ 0.25% · 3.875%
HK$228,352
−HK$6,050/mo
Today · 4.125%
HK$234,402
baseline
▲ 0.50% · 4.625%
HK$246,758
+HK$12,356/mo
Deposit HK$18.79M · loan HK$43.83M · min. income ≈ HK$468,804/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,015
−HK$16,117/mo
▼ 0.25% · 3.875%
HK$265,010
−HK$8,122/mo
Today · 4.125%
HK$273,132
baseline
▲ 0.50% · 4.625%
HK$289,752
+HK$16,620/mo
Deposit HK$6.26M · loan HK$56.36M · min. income ≈ HK$546,264/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,927
−HK$15,447/mo
▼ 0.25% · 3.875%
HK$293,595
−HK$7,779/mo
Today · 4.125%
HK$301,374
baseline
▲ 0.50% · 4.625%
HK$317,260
+HK$15,886/mo
Deposit HK$6.26M · loan HK$56.36M · min. income ≈ HK$602,748/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,661,286 · Scale 2, in force from 26 Feb 2026)