LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,198
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,714
−HK$4,589/mo
Today · 4.125%
HK$154,303
baseline
▲ 0.50% · 4.625%
HK$163,692
+HK$9,389/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,606/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,531
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,863
−HK$4,395/mo
Today · 4.125%
HK$170,258
baseline
▲ 0.50% · 4.625%
HK$179,232
+HK$8,974/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,516/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,237
−HK$10,926/mo
▼ 0.25% · 3.875%
HK$179,657
−HK$5,506/mo
Today · 4.125%
HK$185,163
baseline
▲ 0.50% · 4.625%
HK$196,430
+HK$11,267/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$370,326/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,837
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,036
−HK$5,274/mo
Today · 4.125%
HK$204,310
baseline
▲ 0.50% · 4.625%
HK$215,079
+HK$10,769/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$408,620/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,277
−HK$12,747/mo
▼ 0.25% · 3.875%
HK$209,600
−HK$6,424/mo
Today · 4.125%
HK$216,024
baseline
▲ 0.50% · 4.625%
HK$229,168
+HK$13,144/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$432,048/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,143
−HK$12,218/mo
▼ 0.25% · 3.875%
HK$232,208
−HK$6,153/mo
Today · 4.125%
HK$238,361
baseline
▲ 0.50% · 4.625%
HK$250,925
+HK$12,564/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$476,722/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,356
−HK$16,389/mo
▼ 0.25% · 3.875%
HK$269,485
−HK$8,260/mo
Today · 4.125%
HK$277,745
baseline
▲ 0.50% · 4.625%
HK$294,645
+HK$16,900/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$555,490/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,756
−HK$15,708/mo
▼ 0.25% · 3.875%
HK$298,554
−HK$7,910/mo
Today · 4.125%
HK$306,464
baseline
▲ 0.50% · 4.625%
HK$322,618
+HK$16,154/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$612,928/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,231 · Scale 2, in force from 26 Feb 2026)