LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,912
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,420
−HK$4,579/mo
Today · 4.125%
HK$153,999
baseline
▲ 0.50% · 4.625%
HK$163,370
+HK$9,371/mo
Deposit HK$31.78M · loan HK$31.78M · min. income ≈ HK$307,998/mo (50% DSR)
Upfront cash ≈ HK$34.48M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,213
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,537
−HK$4,386/mo
Today · 4.125%
HK$169,923
baseline
▲ 0.50% · 4.625%
HK$178,880
+HK$8,957/mo
Deposit HK$31.78M · loan HK$31.78M · min. income ≈ HK$339,846/mo (50% DSR)
Upfront cash ≈ HK$34.48M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,895
−HK$10,904/mo
▼ 0.25% · 3.875%
HK$179,304
−HK$5,495/mo
Today · 4.125%
HK$184,799
baseline
▲ 0.50% · 4.625%
HK$196,044
+HK$11,245/mo
Deposit HK$25.42M · loan HK$38.13M · min. income ≈ HK$369,598/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,456
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$198,644
−HK$5,264/mo
Today · 4.125%
HK$203,908
baseline
▲ 0.50% · 4.625%
HK$214,656
+HK$10,748/mo
Deposit HK$25.42M · loan HK$38.13M · min. income ≈ HK$407,816/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,877
−HK$12,722/mo
▼ 0.25% · 3.875%
HK$209,188
−HK$6,411/mo
Today · 4.125%
HK$215,599
baseline
▲ 0.50% · 4.625%
HK$228,718
+HK$13,119/mo
Deposit HK$19.07M · loan HK$44.49M · min. income ≈ HK$431,198/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,699
−HK$12,193/mo
▼ 0.25% · 3.875%
HK$231,752
−HK$6,140/mo
Today · 4.125%
HK$237,892
baseline
▲ 0.50% · 4.625%
HK$250,432
+HK$12,540/mo
Deposit HK$19.07M · loan HK$44.49M · min. income ≈ HK$475,784/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,842
−HK$16,357/mo
▼ 0.25% · 3.875%
HK$268,956
−HK$8,243/mo
Today · 4.125%
HK$277,199
baseline
▲ 0.50% · 4.625%
HK$294,066
+HK$16,867/mo
Deposit HK$6.36M · loan HK$57.20M · min. income ≈ HK$554,398/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,184
−HK$15,678/mo
▼ 0.25% · 3.875%
HK$297,967
−HK$7,895/mo
Today · 4.125%
HK$305,862
baseline
▲ 0.50% · 4.625%
HK$321,984
+HK$16,122/mo
Deposit HK$6.36M · loan HK$57.20M · min. income ≈ HK$611,724/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,700,910 · Scale 2, in force from 26 Feb 2026)