LTV · monthly repayment
▼ 0.50% · 3.625%
HK$154,135
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$158,929
−HK$4,871/mo
Today · 4.125%
HK$163,800
baseline
▲ 0.50% · 4.625%
HK$173,767
+HK$9,967/mo
Deposit HK$33.80M · loan HK$33.80M · min. income ≈ HK$327,600/mo (50% DSR)
Upfront cash ≈ HK$36.67M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,473
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$176,072
−HK$4,665/mo
Today · 4.125%
HK$180,737
baseline
▲ 0.50% · 4.625%
HK$190,264
+HK$9,527/mo
Deposit HK$33.80M · loan HK$33.80M · min. income ≈ HK$361,474/mo (50% DSR)
Upfront cash ≈ HK$36.67M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,962
−HK$11,598/mo
▼ 0.25% · 3.875%
HK$190,715
−HK$5,845/mo
Today · 4.125%
HK$196,560
baseline
▲ 0.50% · 4.625%
HK$208,521
+HK$11,961/mo
Deposit HK$27.04M · loan HK$40.56M · min. income ≈ HK$393,120/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,768
−HK$11,117/mo
▼ 0.25% · 3.875%
HK$211,286
−HK$5,599/mo
Today · 4.125%
HK$216,885
baseline
▲ 0.50% · 4.625%
HK$228,317
+HK$11,432/mo
Deposit HK$27.04M · loan HK$40.56M · min. income ≈ HK$433,770/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,789
−HK$13,531/mo
▼ 0.25% · 3.875%
HK$222,501
−HK$6,819/mo
Today · 4.125%
HK$229,320
baseline
▲ 0.50% · 4.625%
HK$243,274
+HK$13,954/mo
Deposit HK$20.28M · loan HK$47.32M · min. income ≈ HK$458,640/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,063
−HK$12,969/mo
▼ 0.25% · 3.875%
HK$246,501
−HK$6,531/mo
Today · 4.125%
HK$253,032
baseline
▲ 0.50% · 4.625%
HK$266,370
+HK$13,338/mo
Deposit HK$20.28M · loan HK$47.32M · min. income ≈ HK$506,064/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,442
−HK$17,398/mo
▼ 0.25% · 3.875%
HK$286,072
−HK$8,768/mo
Today · 4.125%
HK$294,840
baseline
▲ 0.50% · 4.625%
HK$312,781
+HK$17,941/mo
Deposit HK$6.76M · loan HK$60.84M · min. income ≈ HK$589,680/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,652
−HK$16,675/mo
▼ 0.25% · 3.875%
HK$316,930
−HK$8,397/mo
Today · 4.125%
HK$325,327
baseline
▲ 0.50% · 4.625%
HK$342,476
+HK$17,149/mo
Deposit HK$6.76M · loan HK$60.84M · min. income ≈ HK$650,654/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$2,872,801 · Scale 2, in force from 26 Feb 2026)