LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,205
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,762
−HK$2,598/mo
Today · 4.125%
HK$87,360
baseline
▲ 0.50% · 4.625%
HK$92,675
+HK$5,315/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,720/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,452
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,905
−HK$2,488/mo
Today · 4.125%
HK$96,393
baseline
▲ 0.50% · 4.625%
HK$101,474
+HK$5,081/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,786/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,646
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,714
−HK$3,118/mo
Today · 4.125%
HK$104,832
baseline
▲ 0.50% · 4.625%
HK$111,210
+HK$6,378/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,664/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,742
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,686
−HK$2,985/mo
Today · 4.125%
HK$115,671
baseline
▲ 0.50% · 4.625%
HK$121,769
+HK$6,098/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,342/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,087
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,666
−HK$3,638/mo
Today · 4.125%
HK$122,304
baseline
▲ 0.50% · 4.625%
HK$129,745
+HK$7,441/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,608/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,033
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,466
−HK$3,484/mo
Today · 4.125%
HK$134,950
baseline
▲ 0.50% · 4.625%
HK$142,063
+HK$7,113/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,900/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,968
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$152,571
−HK$4,676/mo
Today · 4.125%
HK$157,247
baseline
▲ 0.50% · 4.625%
HK$166,816
+HK$9,569/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,494/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,613
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,028
−HK$4,479/mo
Today · 4.125%
HK$173,507
baseline
▲ 0.50% · 4.625%
HK$182,653
+HK$9,146/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,014/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,153 · Scale 2, in force from 26 Feb 2026)