LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,005
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,587
−HK$2,623/mo
Today · 4.125%
HK$88,210
baseline
▲ 0.50% · 4.625%
HK$93,577
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,420/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,342
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,818
−HK$2,513/mo
Today · 4.125%
HK$97,331
baseline
▲ 0.50% · 4.625%
HK$102,461
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,662/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,606
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,704
−HK$3,148/mo
Today · 4.125%
HK$105,852
baseline
▲ 0.50% · 4.625%
HK$112,293
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,704/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,810
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,782
−HK$3,015/mo
Today · 4.125%
HK$116,797
baseline
▲ 0.50% · 4.625%
HK$122,953
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,594/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,207
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,821
−HK$3,673/mo
Today · 4.125%
HK$123,494
baseline
▲ 0.50% · 4.625%
HK$131,008
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,988/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,279
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,746
−HK$3,517/mo
Today · 4.125%
HK$136,263
baseline
▲ 0.50% · 4.625%
HK$143,446
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,526/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,408
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,056
−HK$4,722/mo
Today · 4.125%
HK$158,778
baseline
▲ 0.50% · 4.625%
HK$168,439
+HK$9,661/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,556/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,215
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,673
−HK$4,522/mo
Today · 4.125%
HK$175,195
baseline
▲ 0.50% · 4.625%
HK$184,430
+HK$9,235/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,390/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,062 · Scale 2, in force from 26 Feb 2026)