LTV · monthly repayment
▼ 0.50% · 3.625%
HK$147,396
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$151,981
−HK$4,659/mo
Today · 4.125%
HK$156,640
baseline
▲ 0.50% · 4.625%
HK$166,171
+HK$9,531/mo
Deposit HK$32.32M · loan HK$32.32M · min. income ≈ HK$313,280/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,977
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,375
−HK$4,461/mo
Today · 4.125%
HK$172,836
baseline
▲ 0.50% · 4.625%
HK$181,947
+HK$9,111/mo
Deposit HK$32.32M · loan HK$32.32M · min. income ≈ HK$345,672/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,876
−HK$11,091/mo
▼ 0.25% · 3.875%
HK$182,378
−HK$5,589/mo
Today · 4.125%
HK$187,967
baseline
▲ 0.50% · 4.625%
HK$199,405
+HK$11,438/mo
Deposit HK$25.86M · loan HK$38.78M · min. income ≈ HK$375,934/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,772
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,050
−HK$5,354/mo
Today · 4.125%
HK$207,404
baseline
▲ 0.50% · 4.625%
HK$218,336
+HK$10,932/mo
Deposit HK$25.86M · loan HK$38.78M · min. income ≈ HK$414,808/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,355
−HK$12,940/mo
▼ 0.25% · 3.875%
HK$212,774
−HK$6,521/mo
Today · 4.125%
HK$219,295
baseline
▲ 0.50% · 4.625%
HK$232,639
+HK$13,344/mo
Deposit HK$19.39M · loan HK$45.25M · min. income ≈ HK$438,590/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,568
−HK$12,403/mo
▼ 0.25% · 3.875%
HK$235,725
−HK$6,246/mo
Today · 4.125%
HK$241,971
baseline
▲ 0.50% · 4.625%
HK$254,725
+HK$12,754/mo
Deposit HK$19.39M · loan HK$45.25M · min. income ≈ HK$483,942/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,314
−HK$16,637/mo
▼ 0.25% · 3.875%
HK$273,566
−HK$8,385/mo
Today · 4.125%
HK$281,951
baseline
▲ 0.50% · 4.625%
HK$299,107
+HK$17,156/mo
Deposit HK$6.46M · loan HK$58.18M · min. income ≈ HK$563,902/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,159
−HK$15,946/mo
▼ 0.25% · 3.875%
HK$303,075
−HK$8,030/mo
Today · 4.125%
HK$311,105
baseline
▲ 0.50% · 4.625%
HK$327,504
+HK$16,399/mo
Deposit HK$6.46M · loan HK$58.18M · min. income ≈ HK$622,210/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,747,213 · Scale 2, in force from 26 Feb 2026)