LTV · monthly repayment
▼ 0.50% · 3.625%
HK$196,330
−HK$12,311/mo
▼ 0.25% · 3.875%
HK$202,437
−HK$6,204/mo
Today · 4.125%
HK$208,641
baseline
▲ 0.50% · 4.625%
HK$221,337
+HK$12,696/mo
Deposit HK$43.05M · loan HK$43.05M · min. income ≈ HK$417,282/mo (50% DSR)
Upfront cash ≈ HK$46.71M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,415
−HK$11,800/mo
▼ 0.25% · 3.875%
HK$224,273
−HK$5,942/mo
Today · 4.125%
HK$230,215
baseline
▲ 0.50% · 4.625%
HK$242,350
+HK$12,135/mo
Deposit HK$43.05M · loan HK$43.05M · min. income ≈ HK$460,430/mo (50% DSR)
Upfront cash ≈ HK$46.71M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,596
−HK$14,773/mo
▼ 0.25% · 3.875%
HK$242,924
−HK$7,445/mo
Today · 4.125%
HK$250,369
baseline
▲ 0.50% · 4.625%
HK$265,604
+HK$15,235/mo
Deposit HK$34.44M · loan HK$51.66M · min. income ≈ HK$500,738/mo (50% DSR)
Upfront cash ≈ HK$38.10M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,098
−HK$14,160/mo
▼ 0.25% · 3.875%
HK$269,127
−HK$7,131/mo
Today · 4.125%
HK$276,258
baseline
▲ 0.50% · 4.625%
HK$290,820
+HK$14,562/mo
Deposit HK$34.44M · loan HK$51.66M · min. income ≈ HK$552,516/mo (50% DSR)
Upfront cash ≈ HK$38.10M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,862
−HK$17,236/mo
▼ 0.25% · 3.875%
HK$283,411
−HK$8,687/mo
Today · 4.125%
HK$292,098
baseline
▲ 0.50% · 4.625%
HK$309,871
+HK$17,773/mo
Deposit HK$25.83M · loan HK$60.27M · min. income ≈ HK$584,196/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,781
−HK$16,520/mo
▼ 0.25% · 3.875%
HK$313,982
−HK$8,319/mo
Today · 4.125%
HK$322,301
baseline
▲ 0.50% · 4.625%
HK$339,290
+HK$16,989/mo
Deposit HK$25.83M · loan HK$60.27M · min. income ≈ HK$644,602/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,393
−HK$22,161/mo
▼ 0.25% · 3.875%
HK$364,386
−HK$11,168/mo
Today · 4.125%
HK$375,554
baseline
▲ 0.50% · 4.625%
HK$398,406
+HK$22,852/mo
Deposit HK$8.61M · loan HK$77.49M · min. income ≈ HK$751,108/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,147
−HK$21,240/mo
▼ 0.25% · 3.875%
HK$403,691
−HK$10,696/mo
Today · 4.125%
HK$414,387
baseline
▲ 0.50% · 4.625%
HK$436,230
+HK$21,843/mo
Deposit HK$8.61M · loan HK$77.49M · min. income ≈ HK$828,774/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,659,242 · Scale 2, in force from 26 Feb 2026)