LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,117
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,631
−HK$4,586/mo
Today · 4.125%
HK$154,217
baseline
▲ 0.50% · 4.625%
HK$163,601
+HK$9,384/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$308,434/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,441
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,771
−HK$4,392/mo
Today · 4.125%
HK$170,163
baseline
▲ 0.50% · 4.625%
HK$179,133
+HK$8,970/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$340,326/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,140
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$179,557
−HK$5,503/mo
Today · 4.125%
HK$185,060
baseline
▲ 0.50% · 4.625%
HK$196,321
+HK$11,261/mo
Deposit HK$25.46M · loan HK$38.18M · min. income ≈ HK$370,120/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,729
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$198,925
−HK$5,271/mo
Today · 4.125%
HK$204,196
baseline
▲ 0.50% · 4.625%
HK$214,959
+HK$10,763/mo
Deposit HK$25.46M · loan HK$38.18M · min. income ≈ HK$408,392/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,164
−HK$12,740/mo
▼ 0.25% · 3.875%
HK$209,483
−HK$6,421/mo
Today · 4.125%
HK$215,904
baseline
▲ 0.50% · 4.625%
HK$229,041
+HK$13,137/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$431,808/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,017
−HK$12,211/mo
▼ 0.25% · 3.875%
HK$232,079
−HK$6,149/mo
Today · 4.125%
HK$238,228
baseline
▲ 0.50% · 4.625%
HK$250,786
+HK$12,558/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$476,456/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,210
−HK$16,381/mo
▼ 0.25% · 3.875%
HK$269,335
−HK$8,256/mo
Today · 4.125%
HK$277,591
baseline
▲ 0.50% · 4.625%
HK$294,481
+HK$16,890/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$555,182/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,594
−HK$15,700/mo
▼ 0.25% · 3.875%
HK$298,387
−HK$7,907/mo
Today · 4.125%
HK$306,294
baseline
▲ 0.50% · 4.625%
HK$322,439
+HK$16,145/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$612,588/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,725 · Scale 2, in force from 26 Feb 2026)