LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,418
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,982
−HK$2,604/mo
Today · 4.125%
HK$87,586
baseline
▲ 0.50% · 4.625%
HK$92,916
+HK$5,330/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,172/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,689
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,148
−HK$2,495/mo
Today · 4.125%
HK$96,643
baseline
▲ 0.50% · 4.625%
HK$101,737
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,286/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,902
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,978
−HK$3,126/mo
Today · 4.125%
HK$105,104
baseline
▲ 0.50% · 4.625%
HK$111,499
+HK$6,395/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,208/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,027
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,978
−HK$2,993/mo
Today · 4.125%
HK$115,971
baseline
▲ 0.50% · 4.625%
HK$122,084
+HK$6,113/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,942/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,385
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,974
−HK$3,647/mo
Today · 4.125%
HK$122,621
baseline
▲ 0.50% · 4.625%
HK$130,082
+HK$7,461/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,242/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,365
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,808
−HK$3,492/mo
Today · 4.125%
HK$135,300
baseline
▲ 0.50% · 4.625%
HK$142,432
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,600/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,352
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,967
−HK$4,688/mo
Today · 4.125%
HK$157,655
baseline
▲ 0.50% · 4.625%
HK$167,248
+HK$9,593/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,310/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,041
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$169,467
−HK$4,490/mo
Today · 4.125%
HK$173,957
baseline
▲ 0.50% · 4.625%
HK$183,127
+HK$9,170/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,914/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,128 · Scale 2, in force from 26 Feb 2026)