LTV · monthly repayment
▼ 0.50% · 3.625%
HK$198,530
−HK$12,449/mo
▼ 0.25% · 3.875%
HK$204,705
−HK$6,274/mo
Today · 4.125%
HK$210,979
baseline
▲ 0.50% · 4.625%
HK$223,817
+HK$12,838/mo
Deposit HK$43.53M · loan HK$43.53M · min. income ≈ HK$421,958/mo (50% DSR)
Upfront cash ≈ HK$47.23M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,862
−HK$11,933/mo
▼ 0.25% · 3.875%
HK$226,786
−HK$6,009/mo
Today · 4.125%
HK$232,795
baseline
▲ 0.50% · 4.625%
HK$245,066
+HK$12,271/mo
Deposit HK$43.53M · loan HK$43.53M · min. income ≈ HK$465,590/mo (50% DSR)
Upfront cash ≈ HK$47.23M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,236
−HK$14,939/mo
▼ 0.25% · 3.875%
HK$245,646
−HK$7,529/mo
Today · 4.125%
HK$253,175
baseline
▲ 0.50% · 4.625%
HK$268,580
+HK$15,405/mo
Deposit HK$34.83M · loan HK$52.24M · min. income ≈ HK$506,350/mo (50% DSR)
Upfront cash ≈ HK$38.53M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,035
−HK$14,319/mo
▼ 0.25% · 3.875%
HK$272,143
−HK$7,211/mo
Today · 4.125%
HK$279,354
baseline
▲ 0.50% · 4.625%
HK$294,079
+HK$14,725/mo
Deposit HK$34.83M · loan HK$52.24M · min. income ≈ HK$558,708/mo (50% DSR)
Upfront cash ≈ HK$38.53M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,942
−HK$17,429/mo
▼ 0.25% · 3.875%
HK$286,587
−HK$8,784/mo
Today · 4.125%
HK$295,371
baseline
▲ 0.50% · 4.625%
HK$313,344
+HK$17,973/mo
Deposit HK$26.12M · loan HK$60.95M · min. income ≈ HK$590,742/mo (50% DSR)
Upfront cash ≈ HK$29.82M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,207
−HK$16,706/mo
▼ 0.25% · 3.875%
HK$317,500
−HK$8,413/mo
Today · 4.125%
HK$325,913
baseline
▲ 0.50% · 4.625%
HK$343,092
+HK$17,179/mo
Deposit HK$26.12M · loan HK$60.95M · min. income ≈ HK$651,826/mo (50% DSR)
Upfront cash ≈ HK$29.82M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,354
−HK$22,409/mo
▼ 0.25% · 3.875%
HK$368,469
−HK$11,294/mo
Today · 4.125%
HK$379,763
baseline
▲ 0.50% · 4.625%
HK$402,871
+HK$23,108/mo
Deposit HK$8.71M · loan HK$78.36M · min. income ≈ HK$759,526/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,552
−HK$21,479/mo
▼ 0.25% · 3.875%
HK$408,214
−HK$10,817/mo
Today · 4.125%
HK$419,031
baseline
▲ 0.50% · 4.625%
HK$441,119
+HK$22,088/mo
Deposit HK$8.71M · loan HK$78.36M · min. income ≈ HK$838,062/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$3,700,249 · Scale 2, in force from 26 Feb 2026)