LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,067
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$149,580
−HK$4,584/mo
Today · 4.125%
HK$154,164
baseline
▲ 0.50% · 4.625%
HK$163,545
+HK$9,381/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$308,328/mo (50% DSR)
Upfront cash ≈ HK$34.51M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,386
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$165,714
−HK$4,391/mo
Today · 4.125%
HK$170,105
baseline
▲ 0.50% · 4.625%
HK$179,071
+HK$8,966/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$340,210/mo (50% DSR)
Upfront cash ≈ HK$34.51M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,081
−HK$10,916/mo
▼ 0.25% · 3.875%
HK$179,495
−HK$5,502/mo
Today · 4.125%
HK$184,997
baseline
▲ 0.50% · 4.625%
HK$196,254
+HK$11,257/mo
Deposit HK$25.45M · loan HK$38.17M · min. income ≈ HK$369,994/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,663
−HK$10,463/mo
▼ 0.25% · 3.875%
HK$198,857
−HK$5,269/mo
Today · 4.125%
HK$204,126
baseline
▲ 0.50% · 4.625%
HK$214,886
+HK$10,760/mo
Deposit HK$25.45M · loan HK$38.17M · min. income ≈ HK$408,252/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,094
−HK$12,736/mo
▼ 0.25% · 3.875%
HK$209,411
−HK$6,419/mo
Today · 4.125%
HK$215,830
baseline
▲ 0.50% · 4.625%
HK$228,962
+HK$13,132/mo
Deposit HK$19.09M · loan HK$44.53M · min. income ≈ HK$431,660/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,940
−HK$12,207/mo
▼ 0.25% · 3.875%
HK$232,000
−HK$6,147/mo
Today · 4.125%
HK$238,147
baseline
▲ 0.50% · 4.625%
HK$250,700
+HK$12,553/mo
Deposit HK$19.09M · loan HK$44.53M · min. income ≈ HK$476,294/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,121
−HK$16,374/mo
▼ 0.25% · 3.875%
HK$269,243
−HK$8,252/mo
Today · 4.125%
HK$277,495
baseline
▲ 0.50% · 4.625%
HK$294,380
+HK$16,885/mo
Deposit HK$6.36M · loan HK$57.26M · min. income ≈ HK$554,990/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,494
−HK$15,695/mo
▼ 0.25% · 3.875%
HK$298,285
−HK$7,904/mo
Today · 4.125%
HK$306,189
baseline
▲ 0.50% · 4.625%
HK$322,328
+HK$16,139/mo
Deposit HK$6.36M · loan HK$57.26M · min. income ≈ HK$612,378/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,703,798 · Scale 2, in force from 26 Feb 2026)