LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,005
−HK$9,155/mo
▼ 0.25% · 3.875%
HK$150,546
−HK$4,614/mo
Today · 4.125%
HK$155,160
baseline
▲ 0.50% · 4.625%
HK$164,601
+HK$9,441/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$310,320/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,429
−HK$8,775/mo
▼ 0.25% · 3.875%
HK$166,785
−HK$4,419/mo
Today · 4.125%
HK$171,204
baseline
▲ 0.50% · 4.625%
HK$180,228
+HK$9,024/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$342,408/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,205
−HK$10,987/mo
▼ 0.25% · 3.875%
HK$180,655
−HK$5,537/mo
Today · 4.125%
HK$186,192
baseline
▲ 0.50% · 4.625%
HK$197,522
+HK$11,330/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$372,384/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,914
−HK$10,531/mo
▼ 0.25% · 3.875%
HK$200,142
−HK$5,303/mo
Today · 4.125%
HK$205,445
baseline
▲ 0.50% · 4.625%
HK$216,274
+HK$10,829/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$410,890/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,406
−HK$12,818/mo
▼ 0.25% · 3.875%
HK$210,765
−HK$6,459/mo
Today · 4.125%
HK$217,224
baseline
▲ 0.50% · 4.625%
HK$230,442
+HK$13,218/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$434,448/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,400
−HK$12,286/mo
▼ 0.25% · 3.875%
HK$233,499
−HK$6,187/mo
Today · 4.125%
HK$239,686
baseline
▲ 0.50% · 4.625%
HK$252,320
+HK$12,634/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$479,372/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,808
−HK$16,481/mo
▼ 0.25% · 3.875%
HK$270,983
−HK$8,306/mo
Today · 4.125%
HK$279,289
baseline
▲ 0.50% · 4.625%
HK$296,283
+HK$16,994/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$558,578/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,371
−HK$15,796/mo
▼ 0.25% · 3.875%
HK$300,213
−HK$7,954/mo
Today · 4.125%
HK$308,167
baseline
▲ 0.50% · 4.625%
HK$324,411
+HK$16,244/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$616,334/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,721,270 · Scale 2, in force from 26 Feb 2026)