LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,877
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$150,414
−HK$4,610/mo
Today · 4.125%
HK$155,024
baseline
▲ 0.50% · 4.625%
HK$164,457
+HK$9,433/mo
Deposit HK$31.99M · loan HK$31.99M · min. income ≈ HK$310,048/mo (50% DSR)
Upfront cash ≈ HK$34.71M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,286
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$166,639
−HK$4,415/mo
Today · 4.125%
HK$171,054
baseline
▲ 0.50% · 4.625%
HK$180,071
+HK$9,017/mo
Deposit HK$31.99M · loan HK$31.99M · min. income ≈ HK$342,108/mo (50% DSR)
Upfront cash ≈ HK$34.71M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,052
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$180,497
−HK$5,532/mo
Today · 4.125%
HK$186,029
baseline
▲ 0.50% · 4.625%
HK$197,349
+HK$11,320/mo
Deposit HK$25.59M · loan HK$38.38M · min. income ≈ HK$372,058/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,744
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$199,966
−HK$5,299/mo
Today · 4.125%
HK$205,265
baseline
▲ 0.50% · 4.625%
HK$216,085
+HK$10,820/mo
Deposit HK$25.59M · loan HK$38.38M · min. income ≈ HK$410,530/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,227
−HK$12,807/mo
▼ 0.25% · 3.875%
HK$210,580
−HK$6,454/mo
Today · 4.125%
HK$217,034
baseline
▲ 0.50% · 4.625%
HK$230,240
+HK$13,206/mo
Deposit HK$19.19M · loan HK$44.78M · min. income ≈ HK$434,068/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,201
−HK$12,275/mo
▼ 0.25% · 3.875%
HK$233,294
−HK$6,182/mo
Today · 4.125%
HK$239,476
baseline
▲ 0.50% · 4.625%
HK$252,099
+HK$12,623/mo
Deposit HK$19.19M · loan HK$44.78M · min. income ≈ HK$478,952/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,578
−HK$16,466/mo
▼ 0.25% · 3.875%
HK$270,746
−HK$8,298/mo
Today · 4.125%
HK$279,044
baseline
▲ 0.50% · 4.625%
HK$296,023
+HK$16,979/mo
Deposit HK$6.40M · loan HK$57.58M · min. income ≈ HK$558,088/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,115
−HK$15,782/mo
▼ 0.25% · 3.875%
HK$299,950
−HK$7,947/mo
Today · 4.125%
HK$307,897
baseline
▲ 0.50% · 4.625%
HK$324,127
+HK$16,230/mo
Deposit HK$6.40M · loan HK$57.58M · min. income ≈ HK$615,794/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,718,886 · Scale 2, in force from 26 Feb 2026)