LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,384
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$150,938
−HK$4,626/mo
Today · 4.125%
HK$155,564
baseline
▲ 0.50% · 4.625%
HK$165,030
+HK$9,466/mo
Deposit HK$32.10M · loan HK$32.10M · min. income ≈ HK$311,128/mo (50% DSR)
Upfront cash ≈ HK$34.83M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,851
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$167,219
−HK$4,430/mo
Today · 4.125%
HK$171,649
baseline
▲ 0.50% · 4.625%
HK$180,697
+HK$9,048/mo
Deposit HK$32.10M · loan HK$32.10M · min. income ≈ HK$343,298/mo (50% DSR)
Upfront cash ≈ HK$34.83M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,661
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$181,125
−HK$5,552/mo
Today · 4.125%
HK$186,677
baseline
▲ 0.50% · 4.625%
HK$198,035
+HK$11,358/mo
Deposit HK$25.68M · loan HK$38.52M · min. income ≈ HK$373,354/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,421
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,662
−HK$5,317/mo
Today · 4.125%
HK$205,979
baseline
▲ 0.50% · 4.625%
HK$216,837
+HK$10,858/mo
Deposit HK$25.68M · loan HK$38.52M · min. income ≈ HK$411,958/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,938
−HK$12,851/mo
▼ 0.25% · 3.875%
HK$211,313
−HK$6,476/mo
Today · 4.125%
HK$217,789
baseline
▲ 0.50% · 4.625%
HK$231,041
+HK$13,252/mo
Deposit HK$19.26M · loan HK$44.94M · min. income ≈ HK$435,578/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,991
−HK$12,318/mo
▼ 0.25% · 3.875%
HK$234,106
−HK$6,203/mo
Today · 4.125%
HK$240,309
baseline
▲ 0.50% · 4.625%
HK$252,976
+HK$12,667/mo
Deposit HK$19.26M · loan HK$44.94M · min. income ≈ HK$480,618/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,492
−HK$16,523/mo
▼ 0.25% · 3.875%
HK$271,688
−HK$8,327/mo
Today · 4.125%
HK$280,015
baseline
▲ 0.50% · 4.625%
HK$297,053
+HK$17,038/mo
Deposit HK$6.42M · loan HK$57.78M · min. income ≈ HK$560,030/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,132
−HK$15,837/mo
▼ 0.25% · 3.875%
HK$300,994
−HK$7,975/mo
Today · 4.125%
HK$308,969
baseline
▲ 0.50% · 4.625%
HK$325,255
+HK$16,286/mo
Deposit HK$6.42M · loan HK$57.78M · min. income ≈ HK$617,938/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,728,348 · Scale 2, in force from 26 Feb 2026)