LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,416
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,980
−HK$2,605/mo
Today · 4.125%
HK$87,585
baseline
▲ 0.50% · 4.625%
HK$92,914
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,170/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,687
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,146
−HK$2,495/mo
Today · 4.125%
HK$96,641
baseline
▲ 0.50% · 4.625%
HK$101,735
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,282/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,900
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,976
−HK$3,125/mo
Today · 4.125%
HK$105,101
baseline
▲ 0.50% · 4.625%
HK$111,497
+HK$6,396/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,202/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,025
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,976
−HK$2,993/mo
Today · 4.125%
HK$115,969
baseline
▲ 0.50% · 4.625%
HK$122,082
+HK$6,113/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,938/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,383
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,972
−HK$3,646/mo
Today · 4.125%
HK$122,618
baseline
▲ 0.50% · 4.625%
HK$130,079
+HK$7,461/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,236/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,362
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,805
−HK$3,492/mo
Today · 4.125%
HK$135,297
baseline
▲ 0.50% · 4.625%
HK$142,429
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,594/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,349
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,964
−HK$4,688/mo
Today · 4.125%
HK$157,652
baseline
▲ 0.50% · 4.625%
HK$167,245
+HK$9,593/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,304/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,037
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$169,463
−HK$4,491/mo
Today · 4.125%
HK$173,954
baseline
▲ 0.50% · 4.625%
HK$183,123
+HK$9,169/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,908/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,097 · Scale 2, in force from 26 Feb 2026)