LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,091
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$149,604
−HK$4,586/mo
Today · 4.125%
HK$154,190
baseline
▲ 0.50% · 4.625%
HK$163,572
+HK$9,382/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$308,380/mo (50% DSR)
Upfront cash ≈ HK$34.52M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,412
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$165,741
−HK$4,392/mo
Today · 4.125%
HK$170,133
baseline
▲ 0.50% · 4.625%
HK$179,101
+HK$8,968/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$340,266/mo (50% DSR)
Upfront cash ≈ HK$34.52M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,109
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$179,525
−HK$5,503/mo
Today · 4.125%
HK$185,028
baseline
▲ 0.50% · 4.625%
HK$196,286
+HK$11,258/mo
Deposit HK$25.45M · loan HK$38.18M · min. income ≈ HK$370,056/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,695
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$198,890
−HK$5,270/mo
Today · 4.125%
HK$204,160
baseline
▲ 0.50% · 4.625%
HK$214,921
+HK$10,761/mo
Deposit HK$25.45M · loan HK$38.18M · min. income ≈ HK$408,320/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,128
−HK$12,737/mo
▼ 0.25% · 3.875%
HK$209,446
−HK$6,419/mo
Today · 4.125%
HK$215,865
baseline
▲ 0.50% · 4.625%
HK$229,000
+HK$13,135/mo
Deposit HK$19.09M · loan HK$44.54M · min. income ≈ HK$431,730/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,977
−HK$12,209/mo
▼ 0.25% · 3.875%
HK$232,038
−HK$6,148/mo
Today · 4.125%
HK$238,186
baseline
▲ 0.50% · 4.625%
HK$250,741
+HK$12,555/mo
Deposit HK$19.09M · loan HK$44.54M · min. income ≈ HK$476,372/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,164
−HK$16,377/mo
▼ 0.25% · 3.875%
HK$269,288
−HK$8,253/mo
Today · 4.125%
HK$277,541
baseline
▲ 0.50% · 4.625%
HK$294,429
+HK$16,888/mo
Deposit HK$6.36M · loan HK$57.27M · min. income ≈ HK$555,082/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,542
−HK$15,697/mo
▼ 0.25% · 3.875%
HK$298,335
−HK$7,904/mo
Today · 4.125%
HK$306,239
baseline
▲ 0.50% · 4.625%
HK$322,382
+HK$16,143/mo
Deposit HK$6.36M · loan HK$57.27M · min. income ≈ HK$612,478/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,246 · Scale 2, in force from 26 Feb 2026)