LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,559
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,127
−HK$2,609/mo
Today · 4.125%
HK$87,736
baseline
▲ 0.50% · 4.625%
HK$93,074
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,472/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,846
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,309
−HK$2,499/mo
Today · 4.125%
HK$96,808
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,616/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,070
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,152
−HK$3,131/mo
Today · 4.125%
HK$105,283
baseline
▲ 0.50% · 4.625%
HK$111,689
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,566/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,215
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,171
−HK$2,998/mo
Today · 4.125%
HK$116,169
baseline
▲ 0.50% · 4.625%
HK$122,293
+HK$6,124/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,338/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,582
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,177
−HK$3,653/mo
Today · 4.125%
HK$122,830
baseline
▲ 0.50% · 4.625%
HK$130,304
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,660/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,584
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,033
−HK$3,498/mo
Today · 4.125%
HK$135,531
baseline
▲ 0.50% · 4.625%
HK$142,675
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,062/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,606
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$153,228
−HK$4,697/mo
Today · 4.125%
HK$157,925
baseline
▲ 0.50% · 4.625%
HK$167,534
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,850/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,322
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$169,756
−HK$4,498/mo
Today · 4.125%
HK$174,254
baseline
▲ 0.50% · 4.625%
HK$183,439
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,508/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,751 · Scale 2, in force from 26 Feb 2026)