LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,958
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,539
−HK$2,622/mo
Today · 4.125%
HK$88,161
baseline
▲ 0.50% · 4.625%
HK$93,525
+HK$5,364/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,322/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,290
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,766
−HK$2,511/mo
Today · 4.125%
HK$97,277
baseline
▲ 0.50% · 4.625%
HK$102,404
+HK$5,127/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,554/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,550
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,647
−HK$3,146/mo
Today · 4.125%
HK$105,793
baseline
▲ 0.50% · 4.625%
HK$112,230
+HK$6,437/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$211,586/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,748
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,719
−HK$3,013/mo
Today · 4.125%
HK$116,732
baseline
▲ 0.50% · 4.625%
HK$122,885
+HK$6,153/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$233,464/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,142
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,754
−HK$3,671/mo
Today · 4.125%
HK$123,425
baseline
▲ 0.50% · 4.625%
HK$130,935
+HK$7,510/mo
Deposit HK$10.91M · loan HK$25.47M · min. income ≈ HK$246,850/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,207
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,672
−HK$3,515/mo
Today · 4.125%
HK$136,187
baseline
▲ 0.50% · 4.625%
HK$143,366
+HK$7,179/mo
Deposit HK$10.91M · loan HK$25.47M · min. income ≈ HK$272,374/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,325
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$153,970
−HK$4,719/mo
Today · 4.125%
HK$158,689
baseline
▲ 0.50% · 4.625%
HK$168,345
+HK$9,656/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$317,378/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,123
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$170,578
−HK$4,520/mo
Today · 4.125%
HK$175,098
baseline
▲ 0.50% · 4.625%
HK$184,327
+HK$9,229/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$350,196/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,546,201 · Scale 2, in force from 26 Feb 2026)