LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,304
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,864
−HK$2,601/mo
Today · 4.125%
HK$87,465
baseline
▲ 0.50% · 4.625%
HK$92,787
+HK$5,322/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,930/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,562
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,018
−HK$2,491/mo
Today · 4.125%
HK$96,509
baseline
▲ 0.50% · 4.625%
HK$101,596
+HK$5,087/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,018/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,764
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,837
−HK$3,121/mo
Today · 4.125%
HK$104,958
baseline
▲ 0.50% · 4.625%
HK$111,344
+HK$6,386/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,916/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,874
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,821
−HK$2,990/mo
Today · 4.125%
HK$115,811
baseline
▲ 0.50% · 4.625%
HK$121,915
+HK$6,104/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,622/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,225
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$118,809
−HK$3,642/mo
Today · 4.125%
HK$122,451
baseline
▲ 0.50% · 4.625%
HK$129,902
+HK$7,451/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,902/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,187
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,625
−HK$3,487/mo
Today · 4.125%
HK$135,112
baseline
▲ 0.50% · 4.625%
HK$142,234
+HK$7,122/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,224/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,147
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$152,755
−HK$4,682/mo
Today · 4.125%
HK$157,437
baseline
▲ 0.50% · 4.625%
HK$167,016
+HK$9,579/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,874/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,812
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,232
−HK$4,484/mo
Today · 4.125%
HK$173,716
baseline
▲ 0.50% · 4.625%
HK$182,873
+HK$9,157/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,432/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,997 · Scale 2, in force from 26 Feb 2026)