LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,165
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,681
−HK$4,588/mo
Today · 4.125%
HK$154,269
baseline
▲ 0.50% · 4.625%
HK$163,655
+HK$9,386/mo
Deposit HK$31.83M · loan HK$31.83M · min. income ≈ HK$308,538/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,495
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,826
−HK$4,394/mo
Today · 4.125%
HK$170,220
baseline
▲ 0.50% · 4.625%
HK$179,193
+HK$8,973/mo
Deposit HK$31.83M · loan HK$31.83M · min. income ≈ HK$340,440/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,198
−HK$10,924/mo
▼ 0.25% · 3.875%
HK$179,617
−HK$5,505/mo
Today · 4.125%
HK$185,122
baseline
▲ 0.50% · 4.625%
HK$196,387
+HK$11,265/mo
Deposit HK$25.46M · loan HK$38.20M · min. income ≈ HK$370,244/mo (50% DSR)
Upfront cash ≈ HK$28.17M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,794
−HK$10,470/mo
▼ 0.25% · 3.875%
HK$198,992
−HK$5,272/mo
Today · 4.125%
HK$204,264
baseline
▲ 0.50% · 4.625%
HK$215,031
+HK$10,767/mo
Deposit HK$25.46M · loan HK$38.20M · min. income ≈ HK$408,528/mo (50% DSR)
Upfront cash ≈ HK$28.17M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,232
−HK$12,744/mo
▼ 0.25% · 3.875%
HK$209,553
−HK$6,423/mo
Today · 4.125%
HK$215,976
baseline
▲ 0.50% · 4.625%
HK$229,118
+HK$13,142/mo
Deposit HK$19.10M · loan HK$44.56M · min. income ≈ HK$431,952/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,093
−HK$12,215/mo
▼ 0.25% · 3.875%
HK$232,157
−HK$6,151/mo
Today · 4.125%
HK$238,308
baseline
▲ 0.50% · 4.625%
HK$250,870
+HK$12,562/mo
Deposit HK$19.10M · loan HK$44.56M · min. income ≈ HK$476,616/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,298
−HK$16,385/mo
▼ 0.25% · 3.875%
HK$269,426
−HK$8,257/mo
Today · 4.125%
HK$277,683
baseline
▲ 0.50% · 4.625%
HK$294,580
+HK$16,897/mo
Deposit HK$6.37M · loan HK$57.30M · min. income ≈ HK$555,366/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,691
−HK$15,705/mo
▼ 0.25% · 3.875%
HK$298,487
−HK$7,909/mo
Today · 4.125%
HK$306,396
baseline
▲ 0.50% · 4.625%
HK$322,547
+HK$16,151/mo
Deposit HK$6.37M · loan HK$57.30M · min. income ≈ HK$612,792/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,705,630 · Scale 2, in force from 26 Feb 2026)