LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,170
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,717
−HK$4,619/mo
Today · 4.125%
HK$155,336
baseline
▲ 0.50% · 4.625%
HK$164,788
+HK$9,452/mo
Deposit HK$32.05M · loan HK$32.05M · min. income ≈ HK$310,672/mo (50% DSR)
Upfront cash ≈ HK$34.78M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,613
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$166,974
−HK$4,424/mo
Today · 4.125%
HK$171,398
baseline
▲ 0.50% · 4.625%
HK$180,433
+HK$9,035/mo
Deposit HK$32.05M · loan HK$32.05M · min. income ≈ HK$342,796/mo (50% DSR)
Upfront cash ≈ HK$34.78M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,404
−HK$10,999/mo
▼ 0.25% · 3.875%
HK$180,860
−HK$5,543/mo
Today · 4.125%
HK$186,403
baseline
▲ 0.50% · 4.625%
HK$197,745
+HK$11,342/mo
Deposit HK$25.64M · loan HK$38.46M · min. income ≈ HK$372,806/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,135
−HK$10,543/mo
▼ 0.25% · 3.875%
HK$200,368
−HK$5,310/mo
Today · 4.125%
HK$205,678
baseline
▲ 0.50% · 4.625%
HK$216,519
+HK$10,841/mo
Deposit HK$25.64M · loan HK$38.46M · min. income ≈ HK$411,356/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,638
−HK$12,832/mo
▼ 0.25% · 3.875%
HK$211,003
−HK$6,467/mo
Today · 4.125%
HK$217,470
baseline
▲ 0.50% · 4.625%
HK$230,703
+HK$13,233/mo
Deposit HK$19.23M · loan HK$44.87M · min. income ≈ HK$434,940/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,658
−HK$12,299/mo
▼ 0.25% · 3.875%
HK$233,763
−HK$6,194/mo
Today · 4.125%
HK$239,957
baseline
▲ 0.50% · 4.625%
HK$252,606
+HK$12,649/mo
Deposit HK$19.23M · loan HK$44.87M · min. income ≈ HK$479,914/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,106
−HK$16,499/mo
▼ 0.25% · 3.875%
HK$271,290
−HK$8,315/mo
Today · 4.125%
HK$279,605
baseline
▲ 0.50% · 4.625%
HK$296,618
+HK$17,013/mo
Deposit HK$6.41M · loan HK$57.69M · min. income ≈ HK$559,210/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,703
−HK$15,813/mo
▼ 0.25% · 3.875%
HK$300,553
−HK$7,963/mo
Today · 4.125%
HK$308,516
baseline
▲ 0.50% · 4.625%
HK$324,779
+HK$16,263/mo
Deposit HK$6.41M · loan HK$57.69M · min. income ≈ HK$617,032/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,724,352 · Scale 2, in force from 26 Feb 2026)