LTV · monthly repayment
▼ 0.50% · 3.625%
HK$196,156
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$202,257
−HK$6,200/mo
Today · 4.125%
HK$208,457
baseline
▲ 0.50% · 4.625%
HK$221,141
+HK$12,684/mo
Deposit HK$43.01M · loan HK$43.01M · min. income ≈ HK$416,914/mo (50% DSR)
Upfront cash ≈ HK$46.67M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,221
−HK$11,790/mo
▼ 0.25% · 3.875%
HK$224,074
−HK$5,937/mo
Today · 4.125%
HK$230,011
baseline
▲ 0.50% · 4.625%
HK$242,136
+HK$12,125/mo
Deposit HK$43.01M · loan HK$43.01M · min. income ≈ HK$460,022/mo (50% DSR)
Upfront cash ≈ HK$46.67M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,387
−HK$14,761/mo
▼ 0.25% · 3.875%
HK$242,709
−HK$7,439/mo
Today · 4.125%
HK$250,148
baseline
▲ 0.50% · 4.625%
HK$265,369
+HK$15,221/mo
Deposit HK$34.41M · loan HK$51.61M · min. income ≈ HK$500,296/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,866
−HK$14,148/mo
▼ 0.25% · 3.875%
HK$268,889
−HK$7,125/mo
Today · 4.125%
HK$276,014
baseline
▲ 0.50% · 4.625%
HK$290,563
+HK$14,549/mo
Deposit HK$34.41M · loan HK$51.61M · min. income ≈ HK$552,028/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,618
−HK$17,221/mo
▼ 0.25% · 3.875%
HK$283,160
−HK$8,679/mo
Today · 4.125%
HK$291,839
baseline
▲ 0.50% · 4.625%
HK$309,597
+HK$17,758/mo
Deposit HK$25.81M · loan HK$60.22M · min. income ≈ HK$583,678/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,510
−HK$16,506/mo
▼ 0.25% · 3.875%
HK$313,704
−HK$8,312/mo
Today · 4.125%
HK$322,016
baseline
▲ 0.50% · 4.625%
HK$338,990
+HK$16,974/mo
Deposit HK$25.81M · loan HK$60.22M · min. income ≈ HK$644,032/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,081
−HK$22,141/mo
▼ 0.25% · 3.875%
HK$364,063
−HK$11,159/mo
Today · 4.125%
HK$375,222
baseline
▲ 0.50% · 4.625%
HK$398,053
+HK$22,831/mo
Deposit HK$8.60M · loan HK$77.42M · min. income ≈ HK$750,444/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$392,799
−HK$21,221/mo
▼ 0.25% · 3.875%
HK$403,333
−HK$10,687/mo
Today · 4.125%
HK$414,020
baseline
▲ 0.50% · 4.625%
HK$435,844
+HK$21,824/mo
Deposit HK$8.60M · loan HK$77.42M · min. income ≈ HK$828,040/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$3,656,004 · Scale 2, in force from 26 Feb 2026)