LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,502
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,028
−HK$4,598/mo
Today · 4.125%
HK$154,626
baseline
▲ 0.50% · 4.625%
HK$164,035
+HK$9,409/mo
Deposit HK$31.90M · loan HK$31.90M · min. income ≈ HK$309,252/mo (50% DSR)
Upfront cash ≈ HK$34.62M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,869
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,211
−HK$4,404/mo
Today · 4.125%
HK$170,615
baseline
▲ 0.50% · 4.625%
HK$179,608
+HK$8,993/mo
Deposit HK$31.90M · loan HK$31.90M · min. income ≈ HK$341,230/mo (50% DSR)
Upfront cash ≈ HK$34.62M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,602
−HK$10,949/mo
▼ 0.25% · 3.875%
HK$180,033
−HK$5,518/mo
Today · 4.125%
HK$185,551
baseline
▲ 0.50% · 4.625%
HK$196,842
+HK$11,291/mo
Deposit HK$25.52M · loan HK$38.29M · min. income ≈ HK$371,102/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,243
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$199,453
−HK$5,285/mo
Today · 4.125%
HK$204,738
baseline
▲ 0.50% · 4.625%
HK$215,530
+HK$10,792/mo
Deposit HK$25.52M · loan HK$38.29M · min. income ≈ HK$409,476/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,703
−HK$12,774/mo
▼ 0.25% · 3.875%
HK$210,039
−HK$6,438/mo
Today · 4.125%
HK$216,477
baseline
▲ 0.50% · 4.625%
HK$229,649
+HK$13,172/mo
Deposit HK$19.14M · loan HK$44.67M · min. income ≈ HK$432,954/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,617
−HK$12,243/mo
▼ 0.25% · 3.875%
HK$232,695
−HK$6,165/mo
Today · 4.125%
HK$238,860
baseline
▲ 0.50% · 4.625%
HK$251,451
+HK$12,591/mo
Deposit HK$19.14M · loan HK$44.67M · min. income ≈ HK$477,720/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,903
−HK$16,424/mo
▼ 0.25% · 3.875%
HK$270,050
−HK$8,277/mo
Today · 4.125%
HK$278,327
baseline
▲ 0.50% · 4.625%
HK$295,262
+HK$16,935/mo
Deposit HK$6.38M · loan HK$57.43M · min. income ≈ HK$556,654/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,365
−HK$15,741/mo
▼ 0.25% · 3.875%
HK$299,179
−HK$7,927/mo
Today · 4.125%
HK$307,106
baseline
▲ 0.50% · 4.625%
HK$323,294
+HK$16,188/mo
Deposit HK$6.38M · loan HK$57.43M · min. income ≈ HK$614,212/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,711,901 · Scale 2, in force from 26 Feb 2026)