LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,047
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$149,559
−HK$4,584/mo
Today · 4.125%
HK$154,143
baseline
▲ 0.50% · 4.625%
HK$163,522
+HK$9,379/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$308,286/mo (50% DSR)
Upfront cash ≈ HK$34.51M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,364
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$165,692
−HK$4,390/mo
Today · 4.125%
HK$170,082
baseline
▲ 0.50% · 4.625%
HK$179,047
+HK$8,965/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$340,164/mo (50% DSR)
Upfront cash ≈ HK$34.51M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,057
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$179,471
−HK$5,501/mo
Today · 4.125%
HK$184,972
baseline
▲ 0.50% · 4.625%
HK$196,227
+HK$11,255/mo
Deposit HK$25.44M · loan HK$38.17M · min. income ≈ HK$369,944/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,637
−HK$10,461/mo
▼ 0.25% · 3.875%
HK$198,830
−HK$5,268/mo
Today · 4.125%
HK$204,098
baseline
▲ 0.50% · 4.625%
HK$214,856
+HK$10,758/mo
Deposit HK$25.44M · loan HK$38.17M · min. income ≈ HK$408,196/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,066
−HK$12,734/mo
▼ 0.25% · 3.875%
HK$209,383
−HK$6,417/mo
Today · 4.125%
HK$215,800
baseline
▲ 0.50% · 4.625%
HK$228,931
+HK$13,131/mo
Deposit HK$19.08M · loan HK$44.53M · min. income ≈ HK$431,600/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,909
−HK$12,206/mo
▼ 0.25% · 3.875%
HK$231,968
−HK$6,147/mo
Today · 4.125%
HK$238,115
baseline
▲ 0.50% · 4.625%
HK$250,666
+HK$12,551/mo
Deposit HK$19.08M · loan HK$44.53M · min. income ≈ HK$476,230/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,085
−HK$16,373/mo
▼ 0.25% · 3.875%
HK$269,207
−HK$8,251/mo
Today · 4.125%
HK$277,458
baseline
▲ 0.50% · 4.625%
HK$294,340
+HK$16,882/mo
Deposit HK$6.36M · loan HK$57.25M · min. income ≈ HK$554,916/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,455
−HK$15,692/mo
▼ 0.25% · 3.875%
HK$298,245
−HK$7,902/mo
Today · 4.125%
HK$306,147
baseline
▲ 0.50% · 4.625%
HK$322,285
+HK$16,138/mo
Deposit HK$6.36M · loan HK$57.25M · min. income ≈ HK$612,294/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,703,432 · Scale 2, in force from 26 Feb 2026)