LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,834
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$150,370
−HK$4,609/mo
Today · 4.125%
HK$154,979
baseline
▲ 0.50% · 4.625%
HK$164,409
+HK$9,430/mo
Deposit HK$31.98M · loan HK$31.98M · min. income ≈ HK$309,958/mo (50% DSR)
Upfront cash ≈ HK$34.70M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,239
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$166,590
−HK$4,414/mo
Today · 4.125%
HK$171,004
baseline
▲ 0.50% · 4.625%
HK$180,018
+HK$9,014/mo
Deposit HK$31.98M · loan HK$31.98M · min. income ≈ HK$342,008/mo (50% DSR)
Upfront cash ≈ HK$34.70M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,001
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$180,444
−HK$5,531/mo
Today · 4.125%
HK$185,975
baseline
▲ 0.50% · 4.625%
HK$197,291
+HK$11,316/mo
Deposit HK$25.58M · loan HK$38.37M · min. income ≈ HK$371,950/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,686
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$199,908
−HK$5,297/mo
Today · 4.125%
HK$205,205
baseline
▲ 0.50% · 4.625%
HK$216,021
+HK$10,816/mo
Deposit HK$25.58M · loan HK$38.37M · min. income ≈ HK$410,410/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,167
−HK$12,803/mo
▼ 0.25% · 3.875%
HK$210,518
−HK$6,452/mo
Today · 4.125%
HK$216,970
baseline
▲ 0.50% · 4.625%
HK$230,173
+HK$13,203/mo
Deposit HK$19.19M · loan HK$44.77M · min. income ≈ HK$433,940/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,134
−HK$12,271/mo
▼ 0.25% · 3.875%
HK$233,226
−HK$6,179/mo
Today · 4.125%
HK$239,405
baseline
▲ 0.50% · 4.625%
HK$252,025
+HK$12,620/mo
Deposit HK$19.19M · loan HK$44.77M · min. income ≈ HK$478,810/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,501
−HK$16,461/mo
▼ 0.25% · 3.875%
HK$270,666
−HK$8,296/mo
Today · 4.125%
HK$278,962
baseline
▲ 0.50% · 4.625%
HK$295,936
+HK$16,974/mo
Deposit HK$6.40M · loan HK$57.56M · min. income ≈ HK$557,924/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,030
−HK$15,777/mo
▼ 0.25% · 3.875%
HK$299,862
−HK$7,945/mo
Today · 4.125%
HK$307,807
baseline
▲ 0.50% · 4.625%
HK$324,032
+HK$16,225/mo
Deposit HK$6.40M · loan HK$57.56M · min. income ≈ HK$615,614/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,718,088 · Scale 2, in force from 26 Feb 2026)