LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,493
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,018
−HK$4,599/mo
Today · 4.125%
HK$154,617
baseline
▲ 0.50% · 4.625%
HK$164,025
+HK$9,408/mo
Deposit HK$31.90M · loan HK$31.90M · min. income ≈ HK$309,234/mo (50% DSR)
Upfront cash ≈ HK$34.61M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,859
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,200
−HK$4,404/mo
Today · 4.125%
HK$170,604
baseline
▲ 0.50% · 4.625%
HK$179,597
+HK$8,993/mo
Deposit HK$31.90M · loan HK$31.90M · min. income ≈ HK$341,208/mo (50% DSR)
Upfront cash ≈ HK$34.61M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,591
−HK$10,949/mo
▼ 0.25% · 3.875%
HK$180,022
−HK$5,518/mo
Today · 4.125%
HK$185,540
baseline
▲ 0.50% · 4.625%
HK$196,829
+HK$11,289/mo
Deposit HK$25.52M · loan HK$38.28M · min. income ≈ HK$371,080/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,231
−HK$10,494/mo
▼ 0.25% · 3.875%
HK$199,440
−HK$5,285/mo
Today · 4.125%
HK$204,725
baseline
▲ 0.50% · 4.625%
HK$215,516
+HK$10,791/mo
Deposit HK$25.52M · loan HK$38.28M · min. income ≈ HK$409,450/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,690
−HK$12,773/mo
▼ 0.25% · 3.875%
HK$210,026
−HK$6,437/mo
Today · 4.125%
HK$216,463
baseline
▲ 0.50% · 4.625%
HK$229,634
+HK$13,171/mo
Deposit HK$19.14M · loan HK$44.66M · min. income ≈ HK$432,926/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,603
−HK$12,243/mo
▼ 0.25% · 3.875%
HK$232,680
−HK$6,166/mo
Today · 4.125%
HK$238,846
baseline
▲ 0.50% · 4.625%
HK$251,436
+HK$12,590/mo
Deposit HK$19.14M · loan HK$44.66M · min. income ≈ HK$477,692/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,887
−HK$16,423/mo
▼ 0.25% · 3.875%
HK$270,033
−HK$8,277/mo
Today · 4.125%
HK$278,310
baseline
▲ 0.50% · 4.625%
HK$295,244
+HK$16,934/mo
Deposit HK$6.38M · loan HK$57.42M · min. income ≈ HK$556,620/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,347
−HK$15,740/mo
▼ 0.25% · 3.875%
HK$299,161
−HK$7,926/mo
Today · 4.125%
HK$307,087
baseline
▲ 0.50% · 4.625%
HK$323,274
+HK$16,187/mo
Deposit HK$6.38M · loan HK$57.42M · min. income ≈ HK$614,174/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,711,733 · Scale 2, in force from 26 Feb 2026)