LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,409
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,932
−HK$4,595/mo
Today · 4.125%
HK$154,527
baseline
▲ 0.50% · 4.625%
HK$163,930
+HK$9,403/mo
Deposit HK$31.88M · loan HK$31.88M · min. income ≈ HK$309,054/mo (50% DSR)
Upfront cash ≈ HK$34.59M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,766
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$166,104
−HK$4,401/mo
Today · 4.125%
HK$170,505
baseline
▲ 0.50% · 4.625%
HK$179,493
+HK$8,988/mo
Deposit HK$31.88M · loan HK$31.88M · min. income ≈ HK$341,010/mo (50% DSR)
Upfront cash ≈ HK$34.59M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,490
−HK$10,942/mo
▼ 0.25% · 3.875%
HK$179,918
−HK$5,514/mo
Today · 4.125%
HK$185,432
baseline
▲ 0.50% · 4.625%
HK$196,716
+HK$11,284/mo
Deposit HK$25.51M · loan HK$38.26M · min. income ≈ HK$370,864/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,119
−HK$10,487/mo
▼ 0.25% · 3.875%
HK$199,325
−HK$5,281/mo
Today · 4.125%
HK$204,606
baseline
▲ 0.50% · 4.625%
HK$215,392
+HK$10,786/mo
Deposit HK$25.51M · loan HK$38.26M · min. income ≈ HK$409,212/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,572
−HK$12,766/mo
▼ 0.25% · 3.875%
HK$209,904
−HK$6,434/mo
Today · 4.125%
HK$216,338
baseline
▲ 0.50% · 4.625%
HK$229,502
+HK$13,164/mo
Deposit HK$19.13M · loan HK$44.64M · min. income ≈ HK$432,676/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,472
−HK$12,236/mo
▼ 0.25% · 3.875%
HK$232,546
−HK$6,162/mo
Today · 4.125%
HK$238,708
baseline
▲ 0.50% · 4.625%
HK$251,290
+HK$12,582/mo
Deposit HK$19.13M · loan HK$44.64M · min. income ≈ HK$477,416/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,736
−HK$16,413/mo
▼ 0.25% · 3.875%
HK$269,877
−HK$8,272/mo
Today · 4.125%
HK$278,149
baseline
▲ 0.50% · 4.625%
HK$295,073
+HK$16,924/mo
Deposit HK$6.38M · loan HK$57.39M · min. income ≈ HK$556,298/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,178
−HK$15,732/mo
▼ 0.25% · 3.875%
HK$298,987
−HK$7,923/mo
Today · 4.125%
HK$306,910
baseline
▲ 0.50% · 4.625%
HK$323,087
+HK$16,177/mo
Deposit HK$6.38M · loan HK$57.39M · min. income ≈ HK$613,820/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,710,164 · Scale 2, in force from 26 Feb 2026)