LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,218
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$149,735
−HK$4,590/mo
Today · 4.125%
HK$154,325
baseline
▲ 0.50% · 4.625%
HK$163,715
+HK$9,390/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,650/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,554
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$165,887
−HK$4,395/mo
Today · 4.125%
HK$170,282
baseline
▲ 0.50% · 4.625%
HK$179,258
+HK$8,976/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,564/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,262
−HK$10,928/mo
▼ 0.25% · 3.875%
HK$179,682
−HK$5,508/mo
Today · 4.125%
HK$185,190
baseline
▲ 0.50% · 4.625%
HK$196,458
+HK$11,268/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$370,380/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,865
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,064
−HK$5,274/mo
Today · 4.125%
HK$204,338
baseline
▲ 0.50% · 4.625%
HK$215,109
+HK$10,771/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$408,676/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,306
−HK$12,749/mo
▼ 0.25% · 3.875%
HK$209,629
−HK$6,426/mo
Today · 4.125%
HK$216,055
baseline
▲ 0.50% · 4.625%
HK$229,201
+HK$13,146/mo
Deposit HK$19.11M · loan HK$44.58M · min. income ≈ HK$432,110/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,175
−HK$12,220/mo
▼ 0.25% · 3.875%
HK$232,241
−HK$6,154/mo
Today · 4.125%
HK$238,395
baseline
▲ 0.50% · 4.625%
HK$250,961
+HK$12,566/mo
Deposit HK$19.11M · loan HK$44.58M · min. income ≈ HK$476,790/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,393
−HK$16,391/mo
▼ 0.25% · 3.875%
HK$269,524
−HK$8,260/mo
Today · 4.125%
HK$277,784
baseline
▲ 0.50% · 4.625%
HK$294,687
+HK$16,903/mo
Deposit HK$6.37M · loan HK$57.32M · min. income ≈ HK$555,568/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,797
−HK$15,711/mo
▼ 0.25% · 3.875%
HK$298,596
−HK$7,912/mo
Today · 4.125%
HK$306,508
baseline
▲ 0.50% · 4.625%
HK$322,664
+HK$16,156/mo
Deposit HK$6.37M · loan HK$57.32M · min. income ≈ HK$613,016/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,706,615 · Scale 2, in force from 26 Feb 2026)