LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,119
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,633
−HK$4,586/mo
Today · 4.125%
HK$154,219
baseline
▲ 0.50% · 4.625%
HK$163,603
+HK$9,384/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$308,438/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,443
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,773
−HK$4,393/mo
Today · 4.125%
HK$170,166
baseline
▲ 0.50% · 4.625%
HK$179,135
+HK$8,969/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$340,332/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,143
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$179,560
−HK$5,503/mo
Today · 4.125%
HK$185,063
baseline
▲ 0.50% · 4.625%
HK$196,324
+HK$11,261/mo
Deposit HK$25.46M · loan HK$38.18M · min. income ≈ HK$370,126/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,732
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$198,928
−HK$5,271/mo
Today · 4.125%
HK$204,199
baseline
▲ 0.50% · 4.625%
HK$214,962
+HK$10,763/mo
Deposit HK$25.46M · loan HK$38.18M · min. income ≈ HK$408,398/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,167
−HK$12,740/mo
▼ 0.25% · 3.875%
HK$209,486
−HK$6,421/mo
Today · 4.125%
HK$215,907
baseline
▲ 0.50% · 4.625%
HK$229,044
+HK$13,137/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$431,814/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,021
−HK$12,211/mo
▼ 0.25% · 3.875%
HK$232,082
−HK$6,150/mo
Today · 4.125%
HK$238,232
baseline
▲ 0.50% · 4.625%
HK$250,789
+HK$12,557/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$476,464/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,214
−HK$16,381/mo
▼ 0.25% · 3.875%
HK$269,339
−HK$8,256/mo
Today · 4.125%
HK$277,595
baseline
▲ 0.50% · 4.625%
HK$294,485
+HK$16,890/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$555,190/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,598
−HK$15,700/mo
▼ 0.25% · 3.875%
HK$298,392
−HK$7,906/mo
Today · 4.125%
HK$306,298
baseline
▲ 0.50% · 4.625%
HK$322,444
+HK$16,146/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$612,596/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,764 · Scale 2, in force from 26 Feb 2026)