LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,017
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$150,559
−HK$4,614/mo
Today · 4.125%
HK$155,173
baseline
▲ 0.50% · 4.625%
HK$164,615
+HK$9,442/mo
Deposit HK$32.02M · loan HK$32.02M · min. income ≈ HK$310,346/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,442
−HK$8,777/mo
▼ 0.25% · 3.875%
HK$166,799
−HK$4,420/mo
Today · 4.125%
HK$171,219
baseline
▲ 0.50% · 4.625%
HK$180,244
+HK$9,025/mo
Deposit HK$32.02M · loan HK$32.02M · min. income ≈ HK$342,438/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,220
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$180,671
−HK$5,537/mo
Today · 4.125%
HK$186,208
baseline
▲ 0.50% · 4.625%
HK$197,539
+HK$11,331/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$372,416/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,931
−HK$10,531/mo
▼ 0.25% · 3.875%
HK$200,159
−HK$5,303/mo
Today · 4.125%
HK$205,462
baseline
▲ 0.50% · 4.625%
HK$216,293
+HK$10,831/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$410,924/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,424
−HK$12,819/mo
▼ 0.25% · 3.875%
HK$210,782
−HK$6,461/mo
Today · 4.125%
HK$217,243
baseline
▲ 0.50% · 4.625%
HK$230,462
+HK$13,219/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$434,486/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,419
−HK$12,287/mo
▼ 0.25% · 3.875%
HK$233,519
−HK$6,187/mo
Today · 4.125%
HK$239,706
baseline
▲ 0.50% · 4.625%
HK$252,341
+HK$12,635/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$479,412/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,831
−HK$16,481/mo
▼ 0.25% · 3.875%
HK$271,006
−HK$8,306/mo
Today · 4.125%
HK$279,312
baseline
▲ 0.50% · 4.625%
HK$296,308
+HK$16,996/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$558,624/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,396
−HK$15,798/mo
▼ 0.25% · 3.875%
HK$300,238
−HK$7,956/mo
Today · 4.125%
HK$308,194
baseline
▲ 0.50% · 4.625%
HK$324,439
+HK$16,245/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$616,388/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,721,501 · Scale 2, in force from 26 Feb 2026)