LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,282
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,833
−HK$4,622/mo
Today · 4.125%
HK$155,455
baseline
▲ 0.50% · 4.625%
HK$164,915
+HK$9,460/mo
Deposit HK$32.08M · loan HK$32.08M · min. income ≈ HK$310,910/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,738
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,102
−HK$4,428/mo
Today · 4.125%
HK$171,530
baseline
▲ 0.50% · 4.625%
HK$180,571
+HK$9,041/mo
Deposit HK$32.08M · loan HK$32.08M · min. income ≈ HK$343,060/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,539
−HK$11,008/mo
▼ 0.25% · 3.875%
HK$180,999
−HK$5,548/mo
Today · 4.125%
HK$186,547
baseline
▲ 0.50% · 4.625%
HK$197,898
+HK$11,351/mo
Deposit HK$25.66M · loan HK$38.49M · min. income ≈ HK$373,094/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,285
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$200,523
−HK$5,313/mo
Today · 4.125%
HK$205,836
baseline
▲ 0.50% · 4.625%
HK$216,686
+HK$10,850/mo
Deposit HK$25.66M · loan HK$38.49M · min. income ≈ HK$411,672/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,795
−HK$12,843/mo
▼ 0.25% · 3.875%
HK$211,166
−HK$6,472/mo
Today · 4.125%
HK$217,638
baseline
▲ 0.50% · 4.625%
HK$230,880
+HK$13,242/mo
Deposit HK$19.25M · loan HK$44.91M · min. income ≈ HK$435,276/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,833
−HK$12,309/mo
▼ 0.25% · 3.875%
HK$233,943
−HK$6,199/mo
Today · 4.125%
HK$240,142
baseline
▲ 0.50% · 4.625%
HK$252,800
+HK$12,658/mo
Deposit HK$19.25M · loan HK$44.91M · min. income ≈ HK$480,284/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,308
−HK$16,512/mo
▼ 0.25% · 3.875%
HK$271,499
−HK$8,321/mo
Today · 4.125%
HK$279,820
baseline
▲ 0.50% · 4.625%
HK$296,846
+HK$17,026/mo
Deposit HK$6.42M · loan HK$57.74M · min. income ≈ HK$559,640/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,928
−HK$15,826/mo
▼ 0.25% · 3.875%
HK$300,784
−HK$7,970/mo
Today · 4.125%
HK$308,754
baseline
▲ 0.50% · 4.625%
HK$325,028
+HK$16,274/mo
Deposit HK$6.42M · loan HK$57.74M · min. income ≈ HK$617,508/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,726,447 · Scale 2, in force from 26 Feb 2026)