LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,247
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,765
−HK$4,590/mo
Today · 4.125%
HK$154,355
baseline
▲ 0.50% · 4.625%
HK$163,747
+HK$9,392/mo
Deposit HK$31.85M · loan HK$31.85M · min. income ≈ HK$308,710/mo (50% DSR)
Upfront cash ≈ HK$34.56M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,586
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$165,919
−HK$4,397/mo
Today · 4.125%
HK$170,316
baseline
▲ 0.50% · 4.625%
HK$179,293
+HK$8,977/mo
Deposit HK$31.85M · loan HK$31.85M · min. income ≈ HK$340,632/mo (50% DSR)
Upfront cash ≈ HK$34.56M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,296
−HK$10,930/mo
▼ 0.25% · 3.875%
HK$179,718
−HK$5,508/mo
Today · 4.125%
HK$185,226
baseline
▲ 0.50% · 4.625%
HK$196,497
+HK$11,271/mo
Deposit HK$25.48M · loan HK$38.22M · min. income ≈ HK$370,452/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,903
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$199,103
−HK$5,276/mo
Today · 4.125%
HK$204,379
baseline
▲ 0.50% · 4.625%
HK$215,152
+HK$10,773/mo
Deposit HK$25.48M · loan HK$38.22M · min. income ≈ HK$408,758/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,346
−HK$12,751/mo
▼ 0.25% · 3.875%
HK$209,671
−HK$6,426/mo
Today · 4.125%
HK$216,097
baseline
▲ 0.50% · 4.625%
HK$229,246
+HK$13,149/mo
Deposit HK$19.11M · loan HK$44.59M · min. income ≈ HK$432,194/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,220
−HK$12,222/mo
▼ 0.25% · 3.875%
HK$232,287
−HK$6,155/mo
Today · 4.125%
HK$238,442
baseline
▲ 0.50% · 4.625%
HK$251,011
+HK$12,569/mo
Deposit HK$19.11M · loan HK$44.59M · min. income ≈ HK$476,884/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,444
−HK$16,395/mo
▼ 0.25% · 3.875%
HK$269,577
−HK$8,262/mo
Today · 4.125%
HK$277,839
baseline
▲ 0.50% · 4.625%
HK$294,745
+HK$16,906/mo
Deposit HK$6.37M · loan HK$57.33M · min. income ≈ HK$555,678/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,854
−HK$15,714/mo
▼ 0.25% · 3.875%
HK$298,655
−HK$7,913/mo
Today · 4.125%
HK$306,568
baseline
▲ 0.50% · 4.625%
HK$322,728
+HK$16,160/mo
Deposit HK$6.37M · loan HK$57.33M · min. income ≈ HK$613,136/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,707,149 · Scale 2, in force from 26 Feb 2026)