LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,200
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$148,685
−HK$4,558/mo
Today · 4.125%
HK$153,243
baseline
▲ 0.50% · 4.625%
HK$162,567
+HK$9,324/mo
Deposit HK$31.62M · loan HK$31.62M · min. income ≈ HK$306,486/mo (50% DSR)
Upfront cash ≈ HK$34.31M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,421
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$164,723
−HK$4,365/mo
Today · 4.125%
HK$169,088
baseline
▲ 0.50% · 4.625%
HK$178,001
+HK$8,913/mo
Deposit HK$31.62M · loan HK$31.62M · min. income ≈ HK$338,176/mo (50% DSR)
Upfront cash ≈ HK$34.31M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,040
−HK$10,851/mo
▼ 0.25% · 3.875%
HK$178,422
−HK$5,469/mo
Today · 4.125%
HK$183,891
baseline
▲ 0.50% · 4.625%
HK$195,080
+HK$11,189/mo
Deposit HK$25.30M · loan HK$37.94M · min. income ≈ HK$367,782/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,505
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$197,668
−HK$5,238/mo
Today · 4.125%
HK$202,906
baseline
▲ 0.50% · 4.625%
HK$213,601
+HK$10,695/mo
Deposit HK$25.30M · loan HK$37.94M · min. income ≈ HK$405,812/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,880
−HK$12,660/mo
▼ 0.25% · 3.875%
HK$208,160
−HK$6,380/mo
Today · 4.125%
HK$214,540
baseline
▲ 0.50% · 4.625%
HK$227,594
+HK$13,054/mo
Deposit HK$18.97M · loan HK$44.27M · min. income ≈ HK$429,080/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,589
−HK$12,134/mo
▼ 0.25% · 3.875%
HK$230,613
−HK$6,110/mo
Today · 4.125%
HK$236,723
baseline
▲ 0.50% · 4.625%
HK$249,201
+HK$12,478/mo
Deposit HK$18.97M · loan HK$44.27M · min. income ≈ HK$473,446/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,560
−HK$16,277/mo
▼ 0.25% · 3.875%
HK$267,634
−HK$8,203/mo
Today · 4.125%
HK$275,837
baseline
▲ 0.50% · 4.625%
HK$292,621
+HK$16,784/mo
Deposit HK$6.32M · loan HK$56.91M · min. income ≈ HK$551,674/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,758
−HK$15,600/mo
▼ 0.25% · 3.875%
HK$296,502
−HK$7,856/mo
Today · 4.125%
HK$304,358
baseline
▲ 0.50% · 4.625%
HK$320,402
+HK$16,044/mo
Deposit HK$6.32M · loan HK$56.91M · min. income ≈ HK$608,716/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,687,636 · Scale 2, in force from 26 Feb 2026)