LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,800
−HK$9,080/mo
▼ 0.25% · 3.875%
HK$149,304
−HK$4,576/mo
Today · 4.125%
HK$153,880
baseline
▲ 0.50% · 4.625%
HK$163,244
+HK$9,364/mo
Deposit HK$31.75M · loan HK$31.75M · min. income ≈ HK$307,760/mo (50% DSR)
Upfront cash ≈ HK$34.45M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,089
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$165,409
−HK$4,383/mo
Today · 4.125%
HK$169,792
baseline
▲ 0.50% · 4.625%
HK$178,742
+HK$8,950/mo
Deposit HK$31.75M · loan HK$31.75M · min. income ≈ HK$339,584/mo (50% DSR)
Upfront cash ≈ HK$34.45M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,760
−HK$10,896/mo
▼ 0.25% · 3.875%
HK$179,165
−HK$5,491/mo
Today · 4.125%
HK$184,656
baseline
▲ 0.50% · 4.625%
HK$195,892
+HK$11,236/mo
Deposit HK$25.40M · loan HK$38.10M · min. income ≈ HK$369,312/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,306
−HK$10,444/mo
▼ 0.25% · 3.875%
HK$198,491
−HK$5,259/mo
Today · 4.125%
HK$203,750
baseline
▲ 0.50% · 4.625%
HK$214,490
+HK$10,740/mo
Deposit HK$25.40M · loan HK$38.10M · min. income ≈ HK$407,500/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,720
−HK$12,713/mo
▼ 0.25% · 3.875%
HK$209,026
−HK$6,407/mo
Today · 4.125%
HK$215,433
baseline
▲ 0.50% · 4.625%
HK$228,541
+HK$13,108/mo
Deposit HK$19.05M · loan HK$44.45M · min. income ≈ HK$430,866/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,524
−HK$12,185/mo
▼ 0.25% · 3.875%
HK$231,573
−HK$6,136/mo
Today · 4.125%
HK$237,709
baseline
▲ 0.50% · 4.625%
HK$250,239
+HK$12,530/mo
Deposit HK$19.05M · loan HK$44.45M · min. income ≈ HK$475,418/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,640
−HK$16,345/mo
▼ 0.25% · 3.875%
HK$268,748
−HK$8,237/mo
Today · 4.125%
HK$276,985
baseline
▲ 0.50% · 4.625%
HK$293,839
+HK$16,854/mo
Deposit HK$6.35M · loan HK$57.15M · min. income ≈ HK$553,970/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,960
−HK$15,665/mo
▼ 0.25% · 3.875%
HK$297,736
−HK$7,889/mo
Today · 4.125%
HK$305,625
baseline
▲ 0.50% · 4.625%
HK$321,735
+HK$16,110/mo
Deposit HK$6.35M · loan HK$57.15M · min. income ≈ HK$611,250/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,698,823 · Scale 2, in force from 26 Feb 2026)