LTV · monthly repayment
▼ 0.50% · 3.625%
HK$196,168
−HK$12,302/mo
▼ 0.25% · 3.875%
HK$202,270
−HK$6,200/mo
Today · 4.125%
HK$208,470
baseline
▲ 0.50% · 4.625%
HK$221,154
+HK$12,684/mo
Deposit HK$43.01M · loan HK$43.01M · min. income ≈ HK$416,940/mo (50% DSR)
Upfront cash ≈ HK$46.67M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,235
−HK$11,791/mo
▼ 0.25% · 3.875%
HK$224,088
−HK$5,938/mo
Today · 4.125%
HK$230,026
baseline
▲ 0.50% · 4.625%
HK$242,151
+HK$12,125/mo
Deposit HK$43.01M · loan HK$43.01M · min. income ≈ HK$460,052/mo (50% DSR)
Upfront cash ≈ HK$46.67M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,402
−HK$14,762/mo
▼ 0.25% · 3.875%
HK$242,724
−HK$7,440/mo
Today · 4.125%
HK$250,164
baseline
▲ 0.50% · 4.625%
HK$265,385
+HK$15,221/mo
Deposit HK$34.41M · loan HK$51.62M · min. income ≈ HK$500,328/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,882
−HK$14,149/mo
▼ 0.25% · 3.875%
HK$268,906
−HK$7,125/mo
Today · 4.125%
HK$276,031
baseline
▲ 0.50% · 4.625%
HK$290,581
+HK$14,550/mo
Deposit HK$34.41M · loan HK$51.62M · min. income ≈ HK$552,062/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,635
−HK$17,222/mo
▼ 0.25% · 3.875%
HK$283,178
−HK$8,679/mo
Today · 4.125%
HK$291,857
baseline
▲ 0.50% · 4.625%
HK$309,616
+HK$17,759/mo
Deposit HK$25.81M · loan HK$60.22M · min. income ≈ HK$583,714/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,529
−HK$16,507/mo
▼ 0.25% · 3.875%
HK$313,723
−HK$8,313/mo
Today · 4.125%
HK$322,036
baseline
▲ 0.50% · 4.625%
HK$339,011
+HK$16,975/mo
Deposit HK$25.81M · loan HK$60.22M · min. income ≈ HK$644,072/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,103
−HK$22,142/mo
▼ 0.25% · 3.875%
HK$364,086
−HK$11,159/mo
Today · 4.125%
HK$375,245
baseline
▲ 0.50% · 4.625%
HK$398,078
+HK$22,833/mo
Deposit HK$8.60M · loan HK$77.43M · min. income ≈ HK$750,490/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$392,823
−HK$21,223/mo
▼ 0.25% · 3.875%
HK$403,358
−HK$10,688/mo
Today · 4.125%
HK$414,046
baseline
▲ 0.50% · 4.625%
HK$435,871
+HK$21,825/mo
Deposit HK$8.60M · loan HK$77.43M · min. income ≈ HK$828,092/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$3,656,232 · Scale 2, in force from 26 Feb 2026)