LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,999
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,581
−HK$2,623/mo
Today · 4.125%
HK$88,204
baseline
▲ 0.50% · 4.625%
HK$93,571
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,408/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,336
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,812
−HK$2,513/mo
Today · 4.125%
HK$97,325
baseline
▲ 0.50% · 4.625%
HK$102,455
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,650/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,599
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,697
−HK$3,148/mo
Today · 4.125%
HK$105,845
baseline
▲ 0.50% · 4.625%
HK$112,286
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,690/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,803
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,015/mo
Today · 4.125%
HK$116,790
baseline
▲ 0.50% · 4.625%
HK$122,946
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,580/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,199
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,814
−HK$3,672/mo
Today · 4.125%
HK$123,486
baseline
▲ 0.50% · 4.625%
HK$131,000
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,972/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,271
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,737
−HK$3,518/mo
Today · 4.125%
HK$136,255
baseline
▲ 0.50% · 4.625%
HK$143,437
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,510/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,399
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,046
−HK$4,722/mo
Today · 4.125%
HK$158,768
baseline
▲ 0.50% · 4.625%
HK$168,428
+HK$9,660/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,536/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,205
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,662
−HK$4,523/mo
Today · 4.125%
HK$175,185
baseline
▲ 0.50% · 4.625%
HK$184,419
+HK$9,234/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,370/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,966 · Scale 2, in force from 26 Feb 2026)