LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,964
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,473
−HK$4,581/mo
Today · 4.125%
HK$154,054
baseline
▲ 0.50% · 4.625%
HK$163,428
+HK$9,374/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$308,108/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,271
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,596
−HK$4,387/mo
Today · 4.125%
HK$169,983
baseline
▲ 0.50% · 4.625%
HK$178,944
+HK$8,961/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$339,966/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,956
−HK$10,909/mo
▼ 0.25% · 3.875%
HK$179,367
−HK$5,498/mo
Today · 4.125%
HK$184,865
baseline
▲ 0.50% · 4.625%
HK$196,113
+HK$11,248/mo
Deposit HK$25.43M · loan HK$38.14M · min. income ≈ HK$369,730/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,525
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$198,715
−HK$5,265/mo
Today · 4.125%
HK$203,980
baseline
▲ 0.50% · 4.625%
HK$214,732
+HK$10,752/mo
Deposit HK$25.43M · loan HK$38.14M · min. income ≈ HK$407,960/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,949
−HK$12,727/mo
▼ 0.25% · 3.875%
HK$209,262
−HK$6,414/mo
Today · 4.125%
HK$215,676
baseline
▲ 0.50% · 4.625%
HK$228,799
+HK$13,123/mo
Deposit HK$19.07M · loan HK$44.50M · min. income ≈ HK$431,352/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,779
−HK$12,198/mo
▼ 0.25% · 3.875%
HK$231,834
−HK$6,143/mo
Today · 4.125%
HK$237,977
baseline
▲ 0.50% · 4.625%
HK$250,521
+HK$12,544/mo
Deposit HK$19.07M · loan HK$44.50M · min. income ≈ HK$475,954/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,934
−HK$16,363/mo
▼ 0.25% · 3.875%
HK$269,051
−HK$8,246/mo
Today · 4.125%
HK$277,297
baseline
▲ 0.50% · 4.625%
HK$294,170
+HK$16,873/mo
Deposit HK$6.36M · loan HK$57.22M · min. income ≈ HK$554,594/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,287
−HK$15,683/mo
▼ 0.25% · 3.875%
HK$298,072
−HK$7,898/mo
Today · 4.125%
HK$305,970
baseline
▲ 0.50% · 4.625%
HK$322,098
+HK$16,128/mo
Deposit HK$6.36M · loan HK$57.22M · min. income ≈ HK$611,940/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,701,868 · Scale 2, in force from 26 Feb 2026)