LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,126
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,640
−HK$4,586/mo
Today · 4.125%
HK$154,226
baseline
▲ 0.50% · 4.625%
HK$163,611
+HK$9,385/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$308,452/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,451
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,781
−HK$4,393/mo
Today · 4.125%
HK$170,174
baseline
▲ 0.50% · 4.625%
HK$179,144
+HK$8,970/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$340,348/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,151
−HK$10,921/mo
▼ 0.25% · 3.875%
HK$179,568
−HK$5,504/mo
Today · 4.125%
HK$185,072
baseline
▲ 0.50% · 4.625%
HK$196,333
+HK$11,261/mo
Deposit HK$25.46M · loan HK$38.19M · min. income ≈ HK$370,144/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,741
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$198,937
−HK$5,271/mo
Today · 4.125%
HK$204,208
baseline
▲ 0.50% · 4.625%
HK$214,972
+HK$10,764/mo
Deposit HK$25.46M · loan HK$38.19M · min. income ≈ HK$408,416/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,176
−HK$12,741/mo
▼ 0.25% · 3.875%
HK$209,496
−HK$6,421/mo
Today · 4.125%
HK$215,917
baseline
▲ 0.50% · 4.625%
HK$229,055
+HK$13,138/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$431,834/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,031
−HK$12,212/mo
▼ 0.25% · 3.875%
HK$232,093
−HK$6,150/mo
Today · 4.125%
HK$238,243
baseline
▲ 0.50% · 4.625%
HK$250,801
+HK$12,558/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$476,486/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,226
−HK$16,381/mo
▼ 0.25% · 3.875%
HK$269,352
−HK$8,255/mo
Today · 4.125%
HK$277,607
baseline
▲ 0.50% · 4.625%
HK$294,499
+HK$16,892/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$555,214/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,612
−HK$15,700/mo
▼ 0.25% · 3.875%
HK$298,406
−HK$7,906/mo
Today · 4.125%
HK$306,312
baseline
▲ 0.50% · 4.625%
HK$322,459
+HK$16,147/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$612,624/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,704,890 · Scale 2, in force from 26 Feb 2026)