LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,861
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$150,399
−HK$4,609/mo
Today · 4.125%
HK$155,008
baseline
▲ 0.50% · 4.625%
HK$164,440
+HK$9,432/mo
Deposit HK$31.98M · loan HK$31.98M · min. income ≈ HK$310,016/mo (50% DSR)
Upfront cash ≈ HK$34.70M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,269
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$166,621
−HK$4,415/mo
Today · 4.125%
HK$171,036
baseline
▲ 0.50% · 4.625%
HK$180,052
+HK$9,016/mo
Deposit HK$31.98M · loan HK$31.98M · min. income ≈ HK$342,072/mo (50% DSR)
Upfront cash ≈ HK$34.70M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,034
−HK$10,976/mo
▼ 0.25% · 3.875%
HK$180,478
−HK$5,532/mo
Today · 4.125%
HK$186,010
baseline
▲ 0.50% · 4.625%
HK$197,328
+HK$11,318/mo
Deposit HK$25.59M · loan HK$38.38M · min. income ≈ HK$372,020/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,723
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$199,946
−HK$5,298/mo
Today · 4.125%
HK$205,244
baseline
▲ 0.50% · 4.625%
HK$216,062
+HK$10,818/mo
Deposit HK$25.59M · loan HK$38.38M · min. income ≈ HK$410,488/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,206
−HK$12,806/mo
▼ 0.25% · 3.875%
HK$210,558
−HK$6,454/mo
Today · 4.125%
HK$217,012
baseline
▲ 0.50% · 4.625%
HK$230,216
+HK$13,204/mo
Deposit HK$19.19M · loan HK$44.78M · min. income ≈ HK$434,024/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,177
−HK$12,274/mo
▼ 0.25% · 3.875%
HK$233,270
−HK$6,181/mo
Today · 4.125%
HK$239,451
baseline
▲ 0.50% · 4.625%
HK$252,073
+HK$12,622/mo
Deposit HK$19.19M · loan HK$44.78M · min. income ≈ HK$478,902/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,551
−HK$16,464/mo
▼ 0.25% · 3.875%
HK$270,717
−HK$8,298/mo
Today · 4.125%
HK$279,015
baseline
▲ 0.50% · 4.625%
HK$295,992
+HK$16,977/mo
Deposit HK$6.40M · loan HK$57.57M · min. income ≈ HK$558,030/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,085
−HK$15,780/mo
▼ 0.25% · 3.875%
HK$299,919
−HK$7,946/mo
Today · 4.125%
HK$307,865
baseline
▲ 0.50% · 4.625%
HK$324,093
+HK$16,228/mo
Deposit HK$6.40M · loan HK$57.57M · min. income ≈ HK$615,730/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,718,604 · Scale 2, in force from 26 Feb 2026)