LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,344
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,905
−HK$2,603/mo
Today · 4.125%
HK$87,508
baseline
▲ 0.50% · 4.625%
HK$92,832
+HK$5,324/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,016/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,607
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,064
−HK$2,492/mo
Today · 4.125%
HK$96,556
baseline
▲ 0.50% · 4.625%
HK$101,646
+HK$5,090/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,112/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,813
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,887
−HK$3,122/mo
Today · 4.125%
HK$105,009
baseline
▲ 0.50% · 4.625%
HK$111,399
+HK$6,390/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$210,018/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,928
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,877
−HK$2,990/mo
Today · 4.125%
HK$115,867
baseline
▲ 0.50% · 4.625%
HK$121,975
+HK$6,108/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$231,734/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,282
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,868
−HK$3,643/mo
Today · 4.125%
HK$122,511
baseline
▲ 0.50% · 4.625%
HK$129,965
+HK$7,454/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,022/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,250
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,689
−HK$3,490/mo
Today · 4.125%
HK$135,179
baseline
▲ 0.50% · 4.625%
HK$142,304
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,358/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,219
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$152,830
−HK$4,684/mo
Today · 4.125%
HK$157,514
baseline
▲ 0.50% · 4.625%
HK$167,098
+HK$9,584/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,028/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,893
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,315
−HK$4,486/mo
Today · 4.125%
HK$173,801
baseline
▲ 0.50% · 4.625%
HK$182,962
+HK$9,161/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,602/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,751 · Scale 2, in force from 26 Feb 2026)