LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,396
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,959
−HK$2,604/mo
Today · 4.125%
HK$87,563
baseline
▲ 0.50% · 4.625%
HK$92,891
+HK$5,328/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,126/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,665
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,123
−HK$2,494/mo
Today · 4.125%
HK$96,617
baseline
▲ 0.50% · 4.625%
HK$101,710
+HK$5,093/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,234/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,875
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,951
−HK$3,125/mo
Today · 4.125%
HK$105,076
baseline
▲ 0.50% · 4.625%
HK$111,469
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,152/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,998
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,948
−HK$2,993/mo
Today · 4.125%
HK$115,941
baseline
▲ 0.50% · 4.625%
HK$122,052
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,882/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,354
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,943
−HK$3,645/mo
Today · 4.125%
HK$122,588
baseline
▲ 0.50% · 4.625%
HK$130,047
+HK$7,459/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,176/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,331
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,772
−HK$3,492/mo
Today · 4.125%
HK$135,264
baseline
▲ 0.50% · 4.625%
HK$142,394
+HK$7,130/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,528/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,313
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,926
−HK$4,687/mo
Today · 4.125%
HK$157,613
baseline
▲ 0.50% · 4.625%
HK$167,204
+HK$9,591/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,226/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,997
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$169,422
−HK$4,489/mo
Today · 4.125%
HK$173,911
baseline
▲ 0.50% · 4.625%
HK$183,078
+HK$9,167/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,822/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,719 · Scale 2, in force from 26 Feb 2026)