LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,294
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,916
−HK$2,664/mo
Today · 4.125%
HK$89,580
baseline
▲ 0.50% · 4.625%
HK$95,031
+HK$5,451/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,160/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,776
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,291
−HK$2,552/mo
Today · 4.125%
HK$98,843
baseline
▲ 0.50% · 4.625%
HK$104,053
+HK$5,210/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,686/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,153
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,299
−HK$3,197/mo
Today · 4.125%
HK$107,496
baseline
▲ 0.50% · 4.625%
HK$114,037
+HK$6,541/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$214,992/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,531
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,549
−HK$3,062/mo
Today · 4.125%
HK$118,611
baseline
▲ 0.50% · 4.625%
HK$124,863
+HK$6,252/mo
Deposit HK$14.79M · loan HK$22.18M · min. income ≈ HK$237,222/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,012
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,682
−HK$3,730/mo
Today · 4.125%
HK$125,412
baseline
▲ 0.50% · 4.625%
HK$133,043
+HK$7,631/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$250,824/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,287
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$134,808
−HK$3,572/mo
Today · 4.125%
HK$138,380
baseline
▲ 0.50% · 4.625%
HK$145,674
+HK$7,294/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$276,760/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,729
−HK$9,515/mo
▼ 0.25% · 3.875%
HK$156,449
−HK$4,795/mo
Today · 4.125%
HK$161,244
baseline
▲ 0.50% · 4.625%
HK$171,055
+HK$9,811/mo
Deposit HK$3.70M · loan HK$33.27M · min. income ≈ HK$322,488/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,797
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$173,324
−HK$4,593/mo
Today · 4.125%
HK$177,917
baseline
▲ 0.50% · 4.625%
HK$187,295
+HK$9,378/mo
Deposit HK$3.70M · loan HK$33.27M · min. income ≈ HK$355,834/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,092 · Scale 2, in force from 26 Feb 2026)