LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,047
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,600
−HK$2,592/mo
Today · 4.125%
HK$87,192
baseline
▲ 0.50% · 4.625%
HK$92,498
+HK$5,306/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,384/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,277
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,725
−HK$2,483/mo
Today · 4.125%
HK$96,208
baseline
▲ 0.50% · 4.625%
HK$101,280
+HK$5,072/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,416/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,457
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,519
−HK$3,112/mo
Today · 4.125%
HK$104,631
baseline
▲ 0.50% · 4.625%
HK$110,998
+HK$6,367/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,262/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,532
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,470
−HK$2,980/mo
Today · 4.125%
HK$115,450
baseline
▲ 0.50% · 4.625%
HK$121,535
+HK$6,085/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,900/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,866
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,439
−HK$3,630/mo
Today · 4.125%
HK$122,069
baseline
▲ 0.50% · 4.625%
HK$129,497
+HK$7,428/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$244,138/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,788
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,215
−HK$3,477/mo
Today · 4.125%
HK$134,692
baseline
▲ 0.50% · 4.625%
HK$141,791
+HK$7,099/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$269,384/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,685
−HK$9,261/mo
▼ 0.25% · 3.875%
HK$152,279
−HK$4,667/mo
Today · 4.125%
HK$156,946
baseline
▲ 0.50% · 4.625%
HK$166,496
+HK$9,550/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,892/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,298
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$168,705
−HK$4,470/mo
Today · 4.125%
HK$173,175
baseline
▲ 0.50% · 4.625%
HK$182,303
+HK$9,128/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,350/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,220 · Scale 2, in force from 26 Feb 2026)