LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,061
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$150,604
−HK$4,616/mo
Today · 4.125%
HK$155,220
baseline
▲ 0.50% · 4.625%
HK$164,665
+HK$9,445/mo
Deposit HK$32.03M · loan HK$32.03M · min. income ≈ HK$310,440/mo (50% DSR)
Upfront cash ≈ HK$34.75M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,491
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$166,849
−HK$4,421/mo
Today · 4.125%
HK$171,270
baseline
▲ 0.50% · 4.625%
HK$180,298
+HK$9,028/mo
Deposit HK$32.03M · loan HK$32.03M · min. income ≈ HK$342,540/mo (50% DSR)
Upfront cash ≈ HK$34.75M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,273
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$180,725
−HK$5,539/mo
Today · 4.125%
HK$186,264
baseline
▲ 0.50% · 4.625%
HK$197,598
+HK$11,334/mo
Deposit HK$25.62M · loan HK$38.43M · min. income ≈ HK$372,528/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,990
−HK$10,534/mo
▼ 0.25% · 3.875%
HK$200,219
−HK$5,305/mo
Today · 4.125%
HK$205,524
baseline
▲ 0.50% · 4.625%
HK$216,358
+HK$10,834/mo
Deposit HK$25.62M · loan HK$38.43M · min. income ≈ HK$411,048/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,485
−HK$12,824/mo
▼ 0.25% · 3.875%
HK$210,846
−HK$6,463/mo
Today · 4.125%
HK$217,309
baseline
▲ 0.50% · 4.625%
HK$230,531
+HK$13,222/mo
Deposit HK$19.22M · loan HK$44.84M · min. income ≈ HK$434,618/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,488
−HK$12,291/mo
▼ 0.25% · 3.875%
HK$233,589
−HK$6,190/mo
Today · 4.125%
HK$239,779
baseline
▲ 0.50% · 4.625%
HK$252,418
+HK$12,639/mo
Deposit HK$19.22M · loan HK$44.84M · min. income ≈ HK$479,558/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,910
−HK$16,487/mo
▼ 0.25% · 3.875%
HK$271,088
−HK$8,309/mo
Today · 4.125%
HK$279,397
baseline
▲ 0.50% · 4.625%
HK$296,397
+HK$17,000/mo
Deposit HK$6.41M · loan HK$57.65M · min. income ≈ HK$558,794/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,485
−HK$15,802/mo
▼ 0.25% · 3.875%
HK$300,329
−HK$7,958/mo
Today · 4.125%
HK$308,287
baseline
▲ 0.50% · 4.625%
HK$324,537
+HK$16,250/mo
Deposit HK$6.41M · loan HK$57.65M · min. income ≈ HK$616,574/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,722,324 · Scale 2, in force from 26 Feb 2026)