LTV · monthly repayment
▼ 0.50% · 3.625%
HK$146,855
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$151,423
−HK$4,641/mo
Today · 4.125%
HK$156,064
baseline
▲ 0.50% · 4.625%
HK$165,560
+HK$9,496/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$312,128/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,374
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$167,756
−HK$4,445/mo
Today · 4.125%
HK$172,201
baseline
▲ 0.50% · 4.625%
HK$181,278
+HK$9,077/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$344,402/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,226
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$181,707
−HK$5,570/mo
Today · 4.125%
HK$187,277
baseline
▲ 0.50% · 4.625%
HK$198,672
+HK$11,395/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$374,554/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,049
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,307
−HK$5,334/mo
Today · 4.125%
HK$206,641
baseline
▲ 0.50% · 4.625%
HK$217,534
+HK$10,893/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$413,282/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,597
−HK$12,892/mo
▼ 0.25% · 3.875%
HK$211,992
−HK$6,497/mo
Today · 4.125%
HK$218,489
baseline
▲ 0.50% · 4.625%
HK$231,784
+HK$13,295/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$436,978/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,724
−HK$12,358/mo
▼ 0.25% · 3.875%
HK$234,859
−HK$6,223/mo
Today · 4.125%
HK$241,082
baseline
▲ 0.50% · 4.625%
HK$253,789
+HK$12,707/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$482,164/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,339
−HK$16,576/mo
▼ 0.25% · 3.875%
HK$272,561
−HK$8,354/mo
Today · 4.125%
HK$280,915
baseline
▲ 0.50% · 4.625%
HK$298,008
+HK$17,093/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$561,830/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,074
−HK$15,888/mo
▼ 0.25% · 3.875%
HK$301,961
−HK$8,001/mo
Today · 4.125%
HK$309,962
baseline
▲ 0.50% · 4.625%
HK$326,300
+HK$16,338/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$619,924/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,117 · Scale 2, in force from 26 Feb 2026)