LTV · monthly repayment
▼ 0.50% · 3.625%
HK$144,990
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$149,500
−HK$4,582/mo
Today · 4.125%
HK$154,082
baseline
▲ 0.50% · 4.625%
HK$163,458
+HK$9,376/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$308,164/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,300
−HK$8,714/mo
▼ 0.25% · 3.875%
HK$165,626
−HK$4,388/mo
Today · 4.125%
HK$170,014
baseline
▲ 0.50% · 4.625%
HK$178,976
+HK$8,962/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$340,028/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,988
−HK$10,911/mo
▼ 0.25% · 3.875%
HK$179,400
−HK$5,499/mo
Today · 4.125%
HK$184,899
baseline
▲ 0.50% · 4.625%
HK$196,149
+HK$11,250/mo
Deposit HK$25.43M · loan HK$38.15M · min. income ≈ HK$369,798/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,560
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$198,751
−HK$5,266/mo
Today · 4.125%
HK$204,017
baseline
▲ 0.50% · 4.625%
HK$214,771
+HK$10,754/mo
Deposit HK$25.43M · loan HK$38.15M · min. income ≈ HK$408,034/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,986
−HK$12,729/mo
▼ 0.25% · 3.875%
HK$209,300
−HK$6,415/mo
Today · 4.125%
HK$215,715
baseline
▲ 0.50% · 4.625%
HK$228,841
+HK$13,126/mo
Deposit HK$19.08M · loan HK$44.51M · min. income ≈ HK$431,430/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,820
−HK$12,200/mo
▼ 0.25% · 3.875%
HK$231,876
−HK$6,144/mo
Today · 4.125%
HK$238,020
baseline
▲ 0.50% · 4.625%
HK$250,567
+HK$12,547/mo
Deposit HK$19.08M · loan HK$44.51M · min. income ≈ HK$476,040/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,982
−HK$16,366/mo
▼ 0.25% · 3.875%
HK$269,100
−HK$8,248/mo
Today · 4.125%
HK$277,348
baseline
▲ 0.50% · 4.625%
HK$294,224
+HK$16,876/mo
Deposit HK$6.36M · loan HK$57.23M · min. income ≈ HK$554,696/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,340
−HK$15,686/mo
▼ 0.25% · 3.875%
HK$298,127
−HK$7,899/mo
Today · 4.125%
HK$306,026
baseline
▲ 0.50% · 4.625%
HK$322,157
+HK$16,131/mo
Deposit HK$6.36M · loan HK$57.23M · min. income ≈ HK$612,052/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,702,361 · Scale 2, in force from 26 Feb 2026)