LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,099
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,746
−HK$2,689/mo
Today · 4.125%
HK$90,435
baseline
▲ 0.50% · 4.625%
HK$95,938
+HK$5,503/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,870/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,671
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,210
−HK$2,576/mo
Today · 4.125%
HK$99,786
baseline
▲ 0.50% · 4.625%
HK$105,046
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,572/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,118
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,295
−HK$3,227/mo
Today · 4.125%
HK$108,522
baseline
▲ 0.50% · 4.625%
HK$115,125
+HK$6,603/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,044/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,606
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,652
−HK$3,091/mo
Today · 4.125%
HK$119,743
baseline
▲ 0.50% · 4.625%
HK$126,055
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,486/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,138
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,844
−HK$3,765/mo
Today · 4.125%
HK$126,609
baseline
▲ 0.50% · 4.625%
HK$134,313
+HK$7,704/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$253,218/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,540
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,094
−HK$3,607/mo
Today · 4.125%
HK$139,701
baseline
▲ 0.50% · 4.625%
HK$147,064
+HK$7,363/mo
Deposit HK$11.20M · loan HK$26.12M · min. income ≈ HK$279,402/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,177
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$157,942
−HK$4,841/mo
Today · 4.125%
HK$162,783
baseline
▲ 0.50% · 4.625%
HK$172,688
+HK$9,905/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,566/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,408
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$174,979
−HK$4,636/mo
Today · 4.125%
HK$179,615
baseline
▲ 0.50% · 4.625%
HK$189,083
+HK$9,468/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,230/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,089 · Scale 2, in force from 26 Feb 2026)