LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,472
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,037
−HK$2,606/mo
Today · 4.125%
HK$87,643
baseline
▲ 0.50% · 4.625%
HK$92,976
+HK$5,333/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,286/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,749
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,210
−HK$2,496/mo
Today · 4.125%
HK$96,706
baseline
▲ 0.50% · 4.625%
HK$101,803
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,412/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,966
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,044
−HK$3,128/mo
Today · 4.125%
HK$105,172
baseline
▲ 0.50% · 4.625%
HK$111,572
+HK$6,400/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,344/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,099
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,052
−HK$2,995/mo
Today · 4.125%
HK$116,047
baseline
▲ 0.50% · 4.625%
HK$122,164
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,094/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,460
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,052
−HK$3,649/mo
Today · 4.125%
HK$122,701
baseline
▲ 0.50% · 4.625%
HK$130,167
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,402/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,449
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,893
−HK$3,495/mo
Today · 4.125%
HK$135,388
baseline
▲ 0.50% · 4.625%
HK$142,525
+HK$7,137/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,776/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,449
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,067
−HK$4,691/mo
Today · 4.125%
HK$157,758
baseline
▲ 0.50% · 4.625%
HK$167,357
+HK$9,599/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,516/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,148
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,577
−HK$4,494/mo
Today · 4.125%
HK$174,071
baseline
▲ 0.50% · 4.625%
HK$183,246
+HK$9,175/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,142/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,129 · Scale 2, in force from 26 Feb 2026)