LTV · monthly repayment
▼ 0.50% · 3.625%
HK$84,500
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,128
−HK$2,670/mo
Today · 4.125%
HK$89,798
baseline
▲ 0.50% · 4.625%
HK$95,262
+HK$5,464/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,596/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,005
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,526
−HK$2,558/mo
Today · 4.125%
HK$99,084
baseline
▲ 0.50% · 4.625%
HK$104,307
+HK$5,223/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,168/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,399
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,554
−HK$3,204/mo
Today · 4.125%
HK$107,758
baseline
▲ 0.50% · 4.625%
HK$114,315
+HK$6,557/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,516/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,806
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,831
−HK$3,069/mo
Today · 4.125%
HK$118,900
baseline
▲ 0.50% · 4.625%
HK$125,168
+HK$6,268/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,800/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,299
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,979
−HK$3,739/mo
Today · 4.125%
HK$125,718
baseline
▲ 0.50% · 4.625%
HK$133,367
+HK$7,649/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,436/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,607
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,136
−HK$3,581/mo
Today · 4.125%
HK$138,717
baseline
▲ 0.50% · 4.625%
HK$146,029
+HK$7,312/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,434/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,099
−HK$9,538/mo
▼ 0.25% · 3.875%
HK$156,830
−HK$4,807/mo
Today · 4.125%
HK$161,637
baseline
▲ 0.50% · 4.625%
HK$171,472
+HK$9,835/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,274/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,209
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$173,747
−HK$4,604/mo
Today · 4.125%
HK$178,351
baseline
▲ 0.50% · 4.625%
HK$187,752
+HK$9,401/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,702/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,924 · Scale 2, in force from 26 Feb 2026)