LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,293
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,843
−HK$4,623/mo
Today · 4.125%
HK$155,466
baseline
▲ 0.50% · 4.625%
HK$164,926
+HK$9,460/mo
Deposit HK$32.08M · loan HK$32.08M · min. income ≈ HK$310,932/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,749
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$167,114
−HK$4,428/mo
Today · 4.125%
HK$171,542
baseline
▲ 0.50% · 4.625%
HK$180,584
+HK$9,042/mo
Deposit HK$32.08M · loan HK$32.08M · min. income ≈ HK$343,084/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,551
−HK$11,009/mo
▼ 0.25% · 3.875%
HK$181,012
−HK$5,548/mo
Today · 4.125%
HK$186,560
baseline
▲ 0.50% · 4.625%
HK$197,911
+HK$11,351/mo
Deposit HK$25.66M · loan HK$38.49M · min. income ≈ HK$373,120/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,299
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$200,537
−HK$5,313/mo
Today · 4.125%
HK$205,850
baseline
▲ 0.50% · 4.625%
HK$216,701
+HK$10,851/mo
Deposit HK$25.66M · loan HK$38.49M · min. income ≈ HK$411,700/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,810
−HK$12,843/mo
▼ 0.25% · 3.875%
HK$211,180
−HK$6,473/mo
Today · 4.125%
HK$217,653
baseline
▲ 0.50% · 4.625%
HK$230,897
+HK$13,244/mo
Deposit HK$19.25M · loan HK$44.91M · min. income ≈ HK$435,306/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,849
−HK$12,310/mo
▼ 0.25% · 3.875%
HK$233,959
−HK$6,200/mo
Today · 4.125%
HK$240,159
baseline
▲ 0.50% · 4.625%
HK$252,818
+HK$12,659/mo
Deposit HK$19.25M · loan HK$44.91M · min. income ≈ HK$480,318/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,327
−HK$16,513/mo
▼ 0.25% · 3.875%
HK$271,518
−HK$8,322/mo
Today · 4.125%
HK$279,840
baseline
▲ 0.50% · 4.625%
HK$296,867
+HK$17,027/mo
Deposit HK$6.42M · loan HK$57.74M · min. income ≈ HK$559,680/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,948
−HK$15,827/mo
▼ 0.25% · 3.875%
HK$300,805
−HK$7,970/mo
Today · 4.125%
HK$308,775
baseline
▲ 0.50% · 4.625%
HK$325,051
+HK$16,276/mo
Deposit HK$6.42M · loan HK$57.74M · min. income ≈ HK$617,550/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,726,639 · Scale 2, in force from 26 Feb 2026)