LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,859
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$149,365
−HK$4,578/mo
Today · 4.125%
HK$153,943
baseline
▲ 0.50% · 4.625%
HK$163,310
+HK$9,367/mo
Deposit HK$31.76M · loan HK$31.76M · min. income ≈ HK$307,886/mo (50% DSR)
Upfront cash ≈ HK$34.46M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,155
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$165,477
−HK$4,384/mo
Today · 4.125%
HK$169,861
baseline
▲ 0.50% · 4.625%
HK$178,815
+HK$8,954/mo
Deposit HK$31.76M · loan HK$31.76M · min. income ≈ HK$339,722/mo (50% DSR)
Upfront cash ≈ HK$34.46M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,831
−HK$10,901/mo
▼ 0.25% · 3.875%
HK$179,238
−HK$5,494/mo
Today · 4.125%
HK$184,732
baseline
▲ 0.50% · 4.625%
HK$195,972
+HK$11,240/mo
Deposit HK$25.41M · loan HK$38.12M · min. income ≈ HK$369,464/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,385
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$198,572
−HK$5,261/mo
Today · 4.125%
HK$203,833
baseline
▲ 0.50% · 4.625%
HK$214,578
+HK$10,745/mo
Deposit HK$25.41M · loan HK$38.12M · min. income ≈ HK$407,666/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,803
−HK$12,718/mo
▼ 0.25% · 3.875%
HK$209,111
−HK$6,410/mo
Today · 4.125%
HK$215,521
baseline
▲ 0.50% · 4.625%
HK$228,635
+HK$13,114/mo
Deposit HK$19.06M · loan HK$44.47M · min. income ≈ HK$431,042/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,616
−HK$12,190/mo
▼ 0.25% · 3.875%
HK$231,667
−HK$6,139/mo
Today · 4.125%
HK$237,806
baseline
▲ 0.50% · 4.625%
HK$250,341
+HK$12,535/mo
Deposit HK$19.06M · loan HK$44.47M · min. income ≈ HK$475,612/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,747
−HK$16,351/mo
▼ 0.25% · 3.875%
HK$268,858
−HK$8,240/mo
Today · 4.125%
HK$277,098
baseline
▲ 0.50% · 4.625%
HK$293,959
+HK$16,861/mo
Deposit HK$6.35M · loan HK$57.17M · min. income ≈ HK$554,196/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,078
−HK$15,672/mo
▼ 0.25% · 3.875%
HK$297,858
−HK$7,892/mo
Today · 4.125%
HK$305,750
baseline
▲ 0.50% · 4.625%
HK$321,867
+HK$16,117/mo
Deposit HK$6.35M · loan HK$57.17M · min. income ≈ HK$611,500/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,699,926 · Scale 2, in force from 26 Feb 2026)