LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,838
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$150,375
−HK$4,609/mo
Today · 4.125%
HK$154,984
baseline
▲ 0.50% · 4.625%
HK$164,414
+HK$9,430/mo
Deposit HK$31.98M · loan HK$31.98M · min. income ≈ HK$309,968/mo (50% DSR)
Upfront cash ≈ HK$34.70M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,244
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$166,595
−HK$4,414/mo
Today · 4.125%
HK$171,009
baseline
▲ 0.50% · 4.625%
HK$180,023
+HK$9,014/mo
Deposit HK$31.98M · loan HK$31.98M · min. income ≈ HK$342,018/mo (50% DSR)
Upfront cash ≈ HK$34.70M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,006
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$180,449
−HK$5,531/mo
Today · 4.125%
HK$185,980
baseline
▲ 0.50% · 4.625%
HK$197,297
+HK$11,317/mo
Deposit HK$25.58M · loan HK$38.37M · min. income ≈ HK$371,960/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,692
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$199,914
−HK$5,297/mo
Today · 4.125%
HK$205,211
baseline
▲ 0.50% · 4.625%
HK$216,028
+HK$10,817/mo
Deposit HK$25.58M · loan HK$38.37M · min. income ≈ HK$410,422/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,173
−HK$12,804/mo
▼ 0.25% · 3.875%
HK$210,524
−HK$6,453/mo
Today · 4.125%
HK$216,977
baseline
▲ 0.50% · 4.625%
HK$230,179
+HK$13,202/mo
Deposit HK$19.19M · loan HK$44.77M · min. income ≈ HK$433,954/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,141
−HK$12,272/mo
▼ 0.25% · 3.875%
HK$233,233
−HK$6,180/mo
Today · 4.125%
HK$239,413
baseline
▲ 0.50% · 4.625%
HK$252,032
+HK$12,619/mo
Deposit HK$19.19M · loan HK$44.77M · min. income ≈ HK$478,826/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,509
−HK$16,461/mo
▼ 0.25% · 3.875%
HK$270,674
−HK$8,296/mo
Today · 4.125%
HK$278,970
baseline
▲ 0.50% · 4.625%
HK$295,945
+HK$16,975/mo
Deposit HK$6.40M · loan HK$57.56M · min. income ≈ HK$557,940/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,038
−HK$15,778/mo
▼ 0.25% · 3.875%
HK$299,871
−HK$7,945/mo
Today · 4.125%
HK$307,816
baseline
▲ 0.50% · 4.625%
HK$324,042
+HK$16,226/mo
Deposit HK$6.40M · loan HK$57.56M · min. income ≈ HK$615,632/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,718,170 · Scale 2, in force from 26 Feb 2026)