LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,414
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,977
−HK$2,605/mo
Today · 4.125%
HK$87,582
baseline
▲ 0.50% · 4.625%
HK$92,911
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,164/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,685
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,144
−HK$2,494/mo
Today · 4.125%
HK$96,638
baseline
▲ 0.50% · 4.625%
HK$101,732
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,276/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,897
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$3,125/mo
Today · 4.125%
HK$105,098
baseline
▲ 0.50% · 4.625%
HK$111,493
+HK$6,395/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,196/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,022
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,972
−HK$2,994/mo
Today · 4.125%
HK$115,966
baseline
▲ 0.50% · 4.625%
HK$122,078
+HK$6,112/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,932/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,379
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,968
−HK$3,647/mo
Today · 4.125%
HK$122,615
baseline
▲ 0.50% · 4.625%
HK$130,076
+HK$7,461/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,230/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,359
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,801
−HK$3,492/mo
Today · 4.125%
HK$135,293
baseline
▲ 0.50% · 4.625%
HK$142,425
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,586/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,345
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,959
−HK$4,689/mo
Today · 4.125%
HK$157,648
baseline
▲ 0.50% · 4.625%
HK$167,240
+HK$9,592/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,296/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,032
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$169,458
−HK$4,491/mo
Today · 4.125%
HK$173,949
baseline
▲ 0.50% · 4.625%
HK$183,118
+HK$9,169/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,898/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,052 · Scale 2, in force from 26 Feb 2026)