LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,488
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,054
−HK$2,607/mo
Today · 4.125%
HK$87,661
baseline
▲ 0.50% · 4.625%
HK$92,995
+HK$5,334/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,322/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,767
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,228
−HK$2,497/mo
Today · 4.125%
HK$96,725
baseline
▲ 0.50% · 4.625%
HK$101,824
+HK$5,099/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,450/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,986
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,065
−HK$3,128/mo
Today · 4.125%
HK$105,193
baseline
▲ 0.50% · 4.625%
HK$111,594
+HK$6,401/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,386/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,121
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,074
−HK$2,996/mo
Today · 4.125%
HK$116,070
baseline
▲ 0.50% · 4.625%
HK$122,188
+HK$6,118/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,140/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,483
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,076
−HK$3,649/mo
Today · 4.125%
HK$122,725
baseline
▲ 0.50% · 4.625%
HK$130,193
+HK$7,468/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,450/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,474
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,920
−HK$3,495/mo
Today · 4.125%
HK$135,415
baseline
▲ 0.50% · 4.625%
HK$142,553
+HK$7,138/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,830/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,479
−HK$9,311/mo
▼ 0.25% · 3.875%
HK$153,097
−HK$4,693/mo
Today · 4.125%
HK$157,790
baseline
▲ 0.50% · 4.625%
HK$167,391
+HK$9,601/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,580/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,181
−HK$8,924/mo
▼ 0.25% · 3.875%
HK$169,611
−HK$4,494/mo
Today · 4.125%
HK$174,105
baseline
▲ 0.50% · 4.625%
HK$183,282
+HK$9,177/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,210/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,435 · Scale 2, in force from 26 Feb 2026)