LTV · monthly repayment
▼ 0.50% · 3.625%
HK$188,422
−HK$11,815/mo
▼ 0.25% · 3.875%
HK$194,283
−HK$5,954/mo
Today · 4.125%
HK$200,237
baseline
▲ 0.50% · 4.625%
HK$212,421
+HK$12,184/mo
Deposit HK$41.32M · loan HK$41.32M · min. income ≈ HK$400,474/mo (50% DSR)
Upfront cash ≈ HK$44.83M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,617
−HK$11,325/mo
▼ 0.25% · 3.875%
HK$215,239
−HK$5,703/mo
Today · 4.125%
HK$220,942
baseline
▲ 0.50% · 4.625%
HK$232,588
+HK$11,646/mo
Deposit HK$41.32M · loan HK$41.32M · min. income ≈ HK$441,884/mo (50% DSR)
Upfront cash ≈ HK$44.83M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,106
−HK$14,179/mo
▼ 0.25% · 3.875%
HK$233,139
−HK$7,146/mo
Today · 4.125%
HK$240,285
baseline
▲ 0.50% · 4.625%
HK$254,906
+HK$14,621/mo
Deposit HK$33.05M · loan HK$49.58M · min. income ≈ HK$480,570/mo (50% DSR)
Upfront cash ≈ HK$36.56M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,541
−HK$13,590/mo
▼ 0.25% · 3.875%
HK$258,287
−HK$6,844/mo
Today · 4.125%
HK$265,131
baseline
▲ 0.50% · 4.625%
HK$279,106
+HK$13,975/mo
Deposit HK$33.05M · loan HK$49.58M · min. income ≈ HK$530,262/mo (50% DSR)
Upfront cash ≈ HK$36.56M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,790
−HK$16,542/mo
▼ 0.25% · 3.875%
HK$271,996
−HK$8,336/mo
Today · 4.125%
HK$280,332
baseline
▲ 0.50% · 4.625%
HK$297,390
+HK$17,058/mo
Deposit HK$24.79M · loan HK$57.84M · min. income ≈ HK$560,664/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,464
−HK$15,855/mo
▼ 0.25% · 3.875%
HK$301,335
−HK$7,984/mo
Today · 4.125%
HK$309,319
baseline
▲ 0.50% · 4.625%
HK$325,624
+HK$16,305/mo
Deposit HK$24.79M · loan HK$57.84M · min. income ≈ HK$618,638/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,159
−HK$21,268/mo
▼ 0.25% · 3.875%
HK$349,709
−HK$10,718/mo
Today · 4.125%
HK$360,427
baseline
▲ 0.50% · 4.625%
HK$382,358
+HK$21,931/mo
Deposit HK$8.26M · loan HK$74.37M · min. income ≈ HK$720,854/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,311
−HK$20,385/mo
▼ 0.25% · 3.875%
HK$387,430
−HK$10,266/mo
Today · 4.125%
HK$397,696
baseline
▲ 0.50% · 4.625%
HK$418,659
+HK$20,963/mo
Deposit HK$8.26M · loan HK$74.37M · min. income ≈ HK$795,392/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$3,511,852 · Scale 2, in force from 26 Feb 2026)