LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,677
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$150,209
−HK$4,604/mo
Today · 4.125%
HK$154,813
baseline
▲ 0.50% · 4.625%
HK$164,233
+HK$9,420/mo
Deposit HK$31.94M · loan HK$31.94M · min. income ≈ HK$309,626/mo (50% DSR)
Upfront cash ≈ HK$34.66M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,065
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$166,411
−HK$4,410/mo
Today · 4.125%
HK$170,821
baseline
▲ 0.50% · 4.625%
HK$179,825
+HK$9,004/mo
Deposit HK$31.94M · loan HK$31.94M · min. income ≈ HK$341,642/mo (50% DSR)
Upfront cash ≈ HK$34.66M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,813
−HK$10,962/mo
▼ 0.25% · 3.875%
HK$180,251
−HK$5,524/mo
Today · 4.125%
HK$185,775
baseline
▲ 0.50% · 4.625%
HK$197,079
+HK$11,304/mo
Deposit HK$25.55M · loan HK$38.33M · min. income ≈ HK$371,550/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,478
−HK$10,507/mo
▼ 0.25% · 3.875%
HK$199,693
−HK$5,292/mo
Today · 4.125%
HK$204,985
baseline
▲ 0.50% · 4.625%
HK$215,790
+HK$10,805/mo
Deposit HK$25.55M · loan HK$38.33M · min. income ≈ HK$409,970/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,948
−HK$12,790/mo
▼ 0.25% · 3.875%
HK$210,292
−HK$6,446/mo
Today · 4.125%
HK$216,738
baseline
▲ 0.50% · 4.625%
HK$229,926
+HK$13,188/mo
Deposit HK$19.17M · loan HK$44.72M · min. income ≈ HK$433,476/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,891
−HK$12,258/mo
▼ 0.25% · 3.875%
HK$232,976
−HK$6,173/mo
Today · 4.125%
HK$239,149
baseline
▲ 0.50% · 4.625%
HK$251,755
+HK$12,606/mo
Deposit HK$19.17M · loan HK$44.72M · min. income ≈ HK$478,298/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,219
−HK$16,444/mo
▼ 0.25% · 3.875%
HK$270,376
−HK$8,287/mo
Today · 4.125%
HK$278,663
baseline
▲ 0.50% · 4.625%
HK$295,619
+HK$16,956/mo
Deposit HK$6.39M · loan HK$57.50M · min. income ≈ HK$557,326/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,716
−HK$15,761/mo
▼ 0.25% · 3.875%
HK$299,540
−HK$7,937/mo
Today · 4.125%
HK$307,477
baseline
▲ 0.50% · 4.625%
HK$323,685
+HK$16,208/mo
Deposit HK$6.39M · loan HK$57.50M · min. income ≈ HK$614,954/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$2,715,174 · Scale 2, in force from 26 Feb 2026)