LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,096
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,743
−HK$2,689/mo
Today · 4.125%
HK$90,432
baseline
▲ 0.50% · 4.625%
HK$95,935
+HK$5,503/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,864/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,669
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,208
−HK$2,575/mo
Today · 4.125%
HK$99,783
baseline
▲ 0.50% · 4.625%
HK$105,043
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,566/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,115
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,292
−HK$3,227/mo
Today · 4.125%
HK$108,519
baseline
▲ 0.50% · 4.625%
HK$115,122
+HK$6,603/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,038/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,602
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,649
−HK$3,091/mo
Today · 4.125%
HK$119,740
baseline
▲ 0.50% · 4.625%
HK$126,052
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,480/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,135
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,840
−HK$3,765/mo
Today · 4.125%
HK$126,605
baseline
▲ 0.50% · 4.625%
HK$134,309
+HK$7,704/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$253,210/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,536
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,091
−HK$3,606/mo
Today · 4.125%
HK$139,697
baseline
▲ 0.50% · 4.625%
HK$147,060
+HK$7,363/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$279,394/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,173
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$157,938
−HK$4,840/mo
Today · 4.125%
HK$162,778
baseline
▲ 0.50% · 4.625%
HK$172,683
+HK$9,905/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,556/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,404
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$174,974
−HK$4,636/mo
Today · 4.125%
HK$179,610
baseline
▲ 0.50% · 4.625%
HK$189,077
+HK$9,467/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,220/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,045 · Scale 2, in force from 26 Feb 2026)