LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,984
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$150,525
−HK$4,613/mo
Today · 4.125%
HK$155,138
baseline
▲ 0.50% · 4.625%
HK$164,578
+HK$9,440/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$310,276/mo (50% DSR)
Upfront cash ≈ HK$34.73M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,405
−HK$8,775/mo
▼ 0.25% · 3.875%
HK$166,761
−HK$4,419/mo
Today · 4.125%
HK$171,180
baseline
▲ 0.50% · 4.625%
HK$180,203
+HK$9,023/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$342,360/mo (50% DSR)
Upfront cash ≈ HK$34.73M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,180
−HK$10,986/mo
▼ 0.25% · 3.875%
HK$180,630
−HK$5,536/mo
Today · 4.125%
HK$186,166
baseline
▲ 0.50% · 4.625%
HK$197,494
+HK$11,328/mo
Deposit HK$25.61M · loan HK$38.41M · min. income ≈ HK$372,332/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,887
−HK$10,529/mo
▼ 0.25% · 3.875%
HK$200,113
−HK$5,303/mo
Today · 4.125%
HK$205,416
baseline
▲ 0.50% · 4.625%
HK$216,243
+HK$10,827/mo
Deposit HK$25.61M · loan HK$38.41M · min. income ≈ HK$410,832/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,377
−HK$12,816/mo
▼ 0.25% · 3.875%
HK$210,735
−HK$6,458/mo
Today · 4.125%
HK$217,193
baseline
▲ 0.50% · 4.625%
HK$230,409
+HK$13,216/mo
Deposit HK$19.21M · loan HK$44.81M · min. income ≈ HK$434,386/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,368
−HK$12,284/mo
▼ 0.25% · 3.875%
HK$233,465
−HK$6,187/mo
Today · 4.125%
HK$239,652
baseline
▲ 0.50% · 4.625%
HK$252,284
+HK$12,632/mo
Deposit HK$19.21M · loan HK$44.81M · min. income ≈ HK$479,304/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,771
−HK$16,478/mo
▼ 0.25% · 3.875%
HK$270,944
−HK$8,305/mo
Today · 4.125%
HK$279,249
baseline
▲ 0.50% · 4.625%
HK$296,240
+HK$16,991/mo
Deposit HK$6.40M · loan HK$57.62M · min. income ≈ HK$558,498/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,330
−HK$15,793/mo
▼ 0.25% · 3.875%
HK$300,170
−HK$7,953/mo
Today · 4.125%
HK$308,123
baseline
▲ 0.50% · 4.625%
HK$324,365
+HK$16,242/mo
Deposit HK$6.40M · loan HK$57.62M · min. income ≈ HK$616,246/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,882 · Scale 2, in force from 26 Feb 2026)