LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,242
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,760
−HK$4,590/mo
Today · 4.125%
HK$154,350
baseline
▲ 0.50% · 4.625%
HK$163,742
+HK$9,392/mo
Deposit HK$31.85M · loan HK$31.85M · min. income ≈ HK$308,700/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,580
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$165,914
−HK$4,396/mo
Today · 4.125%
HK$170,310
baseline
▲ 0.50% · 4.625%
HK$179,287
+HK$8,977/mo
Deposit HK$31.85M · loan HK$31.85M · min. income ≈ HK$340,620/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,291
−HK$10,929/mo
▼ 0.25% · 3.875%
HK$179,712
−HK$5,508/mo
Today · 4.125%
HK$185,220
baseline
▲ 0.50% · 4.625%
HK$196,490
+HK$11,270/mo
Deposit HK$25.48M · loan HK$38.22M · min. income ≈ HK$370,440/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,897
−HK$10,475/mo
▼ 0.25% · 3.875%
HK$199,097
−HK$5,275/mo
Today · 4.125%
HK$204,372
baseline
▲ 0.50% · 4.625%
HK$215,145
+HK$10,773/mo
Deposit HK$25.48M · loan HK$38.22M · min. income ≈ HK$408,744/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,339
−HK$12,751/mo
▼ 0.25% · 3.875%
HK$209,664
−HK$6,426/mo
Today · 4.125%
HK$216,090
baseline
▲ 0.50% · 4.625%
HK$229,239
+HK$13,149/mo
Deposit HK$19.11M · loan HK$44.59M · min. income ≈ HK$432,180/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,213
−HK$12,221/mo
▼ 0.25% · 3.875%
HK$232,280
−HK$6,154/mo
Today · 4.125%
HK$238,434
baseline
▲ 0.50% · 4.625%
HK$251,002
+HK$12,568/mo
Deposit HK$19.11M · loan HK$44.59M · min. income ≈ HK$476,868/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,436
−HK$16,394/mo
▼ 0.25% · 3.875%
HK$269,568
−HK$8,262/mo
Today · 4.125%
HK$277,830
baseline
▲ 0.50% · 4.625%
HK$294,736
+HK$16,906/mo
Deposit HK$6.37M · loan HK$57.33M · min. income ≈ HK$555,660/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,845
−HK$15,713/mo
▼ 0.25% · 3.875%
HK$298,645
−HK$7,913/mo
Today · 4.125%
HK$306,558
baseline
▲ 0.50% · 4.625%
HK$322,717
+HK$16,159/mo
Deposit HK$6.37M · loan HK$57.33M · min. income ≈ HK$613,116/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,707,061 · Scale 2, in force from 26 Feb 2026)