LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,161
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,748
−HK$2,628/mo
Today · 4.125%
HK$88,376
baseline
▲ 0.50% · 4.625%
HK$93,753
+HK$5,377/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,752/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,516
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,997
−HK$2,517/mo
Today · 4.125%
HK$97,514
baseline
▲ 0.50% · 4.625%
HK$102,654
+HK$5,140/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,028/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,793
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,897
−HK$3,154/mo
Today · 4.125%
HK$106,051
baseline
▲ 0.50% · 4.625%
HK$112,504
+HK$6,453/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$212,102/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,019
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,997
−HK$3,020/mo
Today · 4.125%
HK$117,017
baseline
▲ 0.50% · 4.625%
HK$123,185
+HK$6,168/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$234,034/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,426
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$120,047
−HK$3,679/mo
Today · 4.125%
HK$123,726
baseline
▲ 0.50% · 4.625%
HK$131,255
+HK$7,529/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,452/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,522
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$132,996
−HK$3,524/mo
Today · 4.125%
HK$136,520
baseline
▲ 0.50% · 4.625%
HK$143,716
+HK$7,196/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,040/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,690
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$154,346
−HK$4,731/mo
Today · 4.125%
HK$159,077
baseline
▲ 0.50% · 4.625%
HK$168,756
+HK$9,679/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$318,154/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,529
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$170,995
−HK$4,531/mo
Today · 4.125%
HK$175,526
baseline
▲ 0.50% · 4.625%
HK$184,778
+HK$9,252/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$351,052/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,978 · Scale 2, in force from 26 Feb 2026)