LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,181
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,830
−HK$2,692/mo
Today · 4.125%
HK$90,522
baseline
▲ 0.50% · 4.625%
HK$96,030
+HK$5,508/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$181,044/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,763
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,304
−HK$2,578/mo
Today · 4.125%
HK$99,882
baseline
▲ 0.50% · 4.625%
HK$105,147
+HK$5,265/mo
Deposit HK$18.68M · loan HK$18.68M · min. income ≈ HK$199,764/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,217
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,396
−HK$3,231/mo
Today · 4.125%
HK$108,627
baseline
▲ 0.50% · 4.625%
HK$115,236
+HK$6,609/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$217,254/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,715
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,765
−HK$3,094/mo
Today · 4.125%
HK$119,859
baseline
▲ 0.50% · 4.625%
HK$126,177
+HK$6,318/mo
Deposit HK$14.94M · loan HK$22.41M · min. income ≈ HK$239,718/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,253
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$122,962
−HK$3,769/mo
Today · 4.125%
HK$126,731
baseline
▲ 0.50% · 4.625%
HK$134,442
+HK$7,711/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$253,462/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,668
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,226
−HK$3,609/mo
Today · 4.125%
HK$139,835
baseline
▲ 0.50% · 4.625%
HK$147,206
+HK$7,371/mo
Deposit HK$11.21M · loan HK$26.15M · min. income ≈ HK$279,670/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,325
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$158,094
−HK$4,846/mo
Today · 4.125%
HK$162,940
baseline
▲ 0.50% · 4.625%
HK$172,855
+HK$9,915/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$325,880/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,573
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$175,147
−HK$4,641/mo
Today · 4.125%
HK$179,788
baseline
▲ 0.50% · 4.625%
HK$189,265
+HK$9,477/mo
Deposit HK$3.74M · loan HK$33.62M · min. income ≈ HK$359,576/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,587,619 · Scale 2, in force from 26 Feb 2026)