LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,954
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,463
−HK$4,581/mo
Today · 4.125%
HK$154,044
baseline
▲ 0.50% · 4.625%
HK$163,417
+HK$9,373/mo
Deposit HK$31.78M · loan HK$31.78M · min. income ≈ HK$308,088/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,260
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,585
−HK$4,387/mo
Today · 4.125%
HK$169,972
baseline
▲ 0.50% · 4.625%
HK$178,932
+HK$8,960/mo
Deposit HK$31.78M · loan HK$31.78M · min. income ≈ HK$339,944/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,945
−HK$10,908/mo
▼ 0.25% · 3.875%
HK$179,355
−HK$5,498/mo
Today · 4.125%
HK$184,853
baseline
▲ 0.50% · 4.625%
HK$196,100
+HK$11,247/mo
Deposit HK$25.43M · loan HK$38.14M · min. income ≈ HK$369,706/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,512
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$198,702
−HK$5,265/mo
Today · 4.125%
HK$203,967
baseline
▲ 0.50% · 4.625%
HK$214,718
+HK$10,751/mo
Deposit HK$25.43M · loan HK$38.14M · min. income ≈ HK$407,934/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,936
−HK$12,725/mo
▼ 0.25% · 3.875%
HK$209,248
−HK$6,413/mo
Today · 4.125%
HK$215,661
baseline
▲ 0.50% · 4.625%
HK$228,784
+HK$13,123/mo
Deposit HK$19.07M · loan HK$44.50M · min. income ≈ HK$431,322/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,764
−HK$12,197/mo
▼ 0.25% · 3.875%
HK$231,819
−HK$6,142/mo
Today · 4.125%
HK$237,961
baseline
▲ 0.50% · 4.625%
HK$250,504
+HK$12,543/mo
Deposit HK$19.07M · loan HK$44.50M · min. income ≈ HK$475,922/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,917
−HK$16,362/mo
▼ 0.25% · 3.875%
HK$269,033
−HK$8,246/mo
Today · 4.125%
HK$277,279
baseline
▲ 0.50% · 4.625%
HK$294,151
+HK$16,872/mo
Deposit HK$6.36M · loan HK$57.21M · min. income ≈ HK$554,558/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,268
−HK$15,682/mo
▼ 0.25% · 3.875%
HK$298,053
−HK$7,897/mo
Today · 4.125%
HK$305,950
baseline
▲ 0.50% · 4.625%
HK$322,077
+HK$16,127/mo
Deposit HK$6.36M · loan HK$57.21M · min. income ≈ HK$611,900/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,701,689 · Scale 2, in force from 26 Feb 2026)