LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,710
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$150,243
−HK$4,605/mo
Today · 4.125%
HK$154,848
baseline
▲ 0.50% · 4.625%
HK$164,270
+HK$9,422/mo
Deposit HK$31.95M · loan HK$31.95M · min. income ≈ HK$309,696/mo (50% DSR)
Upfront cash ≈ HK$34.67M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,101
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$166,449
−HK$4,410/mo
Today · 4.125%
HK$170,859
baseline
▲ 0.50% · 4.625%
HK$179,865
+HK$9,006/mo
Deposit HK$31.95M · loan HK$31.95M · min. income ≈ HK$341,718/mo (50% DSR)
Upfront cash ≈ HK$34.67M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,852
−HK$10,965/mo
▼ 0.25% · 3.875%
HK$180,291
−HK$5,526/mo
Today · 4.125%
HK$185,817
baseline
▲ 0.50% · 4.625%
HK$197,124
+HK$11,307/mo
Deposit HK$25.56M · loan HK$38.34M · min. income ≈ HK$371,634/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,521
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$199,738
−HK$5,293/mo
Today · 4.125%
HK$205,031
baseline
▲ 0.50% · 4.625%
HK$215,838
+HK$10,807/mo
Deposit HK$25.56M · loan HK$38.34M · min. income ≈ HK$410,062/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,994
−HK$12,793/mo
▼ 0.25% · 3.875%
HK$210,340
−HK$6,447/mo
Today · 4.125%
HK$216,787
baseline
▲ 0.50% · 4.625%
HK$229,978
+HK$13,191/mo
Deposit HK$19.17M · loan HK$44.73M · min. income ≈ HK$433,574/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,942
−HK$12,261/mo
▼ 0.25% · 3.875%
HK$233,028
−HK$6,175/mo
Today · 4.125%
HK$239,203
baseline
▲ 0.50% · 4.625%
HK$251,811
+HK$12,608/mo
Deposit HK$19.17M · loan HK$44.73M · min. income ≈ HK$478,406/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,279
−HK$16,447/mo
▼ 0.25% · 3.875%
HK$270,437
−HK$8,289/mo
Today · 4.125%
HK$278,726
baseline
▲ 0.50% · 4.625%
HK$295,685
+HK$16,959/mo
Deposit HK$6.39M · loan HK$57.51M · min. income ≈ HK$557,452/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,782
−HK$15,764/mo
▼ 0.25% · 3.875%
HK$299,608
−HK$7,938/mo
Today · 4.125%
HK$307,546
baseline
▲ 0.50% · 4.625%
HK$323,757
+HK$16,211/mo
Deposit HK$6.39M · loan HK$57.51M · min. income ≈ HK$615,092/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,715,786 · Scale 2, in force from 26 Feb 2026)