LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,194
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,710
−HK$4,589/mo
Today · 4.125%
HK$154,299
baseline
▲ 0.50% · 4.625%
HK$163,687
+HK$9,388/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,598/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,527
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,859
−HK$4,394/mo
Today · 4.125%
HK$170,253
baseline
▲ 0.50% · 4.625%
HK$179,228
+HK$8,975/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,506/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,233
−HK$10,925/mo
▼ 0.25% · 3.875%
HK$179,652
−HK$5,506/mo
Today · 4.125%
HK$185,158
baseline
▲ 0.50% · 4.625%
HK$196,425
+HK$11,267/mo
Deposit HK$25.47M · loan HK$38.20M · min. income ≈ HK$370,316/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,832
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$199,030
−HK$5,274/mo
Today · 4.125%
HK$204,304
baseline
▲ 0.50% · 4.625%
HK$215,073
+HK$10,769/mo
Deposit HK$25.47M · loan HK$38.20M · min. income ≈ HK$408,608/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,271
−HK$12,747/mo
▼ 0.25% · 3.875%
HK$209,594
−HK$6,424/mo
Today · 4.125%
HK$216,018
baseline
▲ 0.50% · 4.625%
HK$229,162
+HK$13,144/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$432,036/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,137
−HK$12,218/mo
▼ 0.25% · 3.875%
HK$232,202
−HK$6,153/mo
Today · 4.125%
HK$238,355
baseline
▲ 0.50% · 4.625%
HK$250,919
+HK$12,564/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$476,710/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,349
−HK$16,389/mo
▼ 0.25% · 3.875%
HK$269,478
−HK$8,260/mo
Today · 4.125%
HK$277,738
baseline
▲ 0.50% · 4.625%
HK$294,637
+HK$16,899/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$555,476/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,748
−HK$15,708/mo
▼ 0.25% · 3.875%
HK$298,546
−HK$7,910/mo
Today · 4.125%
HK$306,456
baseline
▲ 0.50% · 4.625%
HK$322,610
+HK$16,154/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$612,912/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,159 · Scale 2, in force from 26 Feb 2026)