LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,947
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$150,487
−HK$4,612/mo
Today · 4.125%
HK$155,099
baseline
▲ 0.50% · 4.625%
HK$164,537
+HK$9,438/mo
Deposit HK$32.00M · loan HK$32.00M · min. income ≈ HK$310,198/mo (50% DSR)
Upfront cash ≈ HK$34.72M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,365
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$166,719
−HK$4,418/mo
Today · 4.125%
HK$171,137
baseline
▲ 0.50% · 4.625%
HK$180,158
+HK$9,021/mo
Deposit HK$32.00M · loan HK$32.00M · min. income ≈ HK$342,274/mo (50% DSR)
Upfront cash ≈ HK$34.72M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,137
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$180,584
−HK$5,535/mo
Today · 4.125%
HK$186,119
baseline
▲ 0.50% · 4.625%
HK$197,444
+HK$11,325/mo
Deposit HK$25.60M · loan HK$38.40M · min. income ≈ HK$372,238/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,838
−HK$10,526/mo
▼ 0.25% · 3.875%
HK$200,063
−HK$5,301/mo
Today · 4.125%
HK$205,364
baseline
▲ 0.50% · 4.625%
HK$216,189
+HK$10,825/mo
Deposit HK$25.60M · loan HK$38.40M · min. income ≈ HK$410,728/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,326
−HK$12,813/mo
▼ 0.25% · 3.875%
HK$210,682
−HK$6,457/mo
Today · 4.125%
HK$217,139
baseline
▲ 0.50% · 4.625%
HK$230,351
+HK$13,212/mo
Deposit HK$19.20M · loan HK$44.80M · min. income ≈ HK$434,278/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,311
−HK$12,280/mo
▼ 0.25% · 3.875%
HK$233,407
−HK$6,184/mo
Today · 4.125%
HK$239,591
baseline
▲ 0.50% · 4.625%
HK$252,221
+HK$12,630/mo
Deposit HK$19.20M · loan HK$44.80M · min. income ≈ HK$479,182/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,705
−HK$16,474/mo
▼ 0.25% · 3.875%
HK$270,876
−HK$8,303/mo
Today · 4.125%
HK$279,179
baseline
▲ 0.50% · 4.625%
HK$296,166
+HK$16,987/mo
Deposit HK$6.40M · loan HK$57.60M · min. income ≈ HK$558,358/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,256
−HK$15,790/mo
▼ 0.25% · 3.875%
HK$300,095
−HK$7,951/mo
Today · 4.125%
HK$308,046
baseline
▲ 0.50% · 4.625%
HK$324,284
+HK$16,238/mo
Deposit HK$6.40M · loan HK$57.60M · min. income ≈ HK$616,092/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,200 · Scale 2, in force from 26 Feb 2026)