LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,282
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,935
−HK$2,695/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$96,145
+HK$5,515/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,875
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,420
−HK$2,581/mo
Today · 4.125%
HK$100,001
baseline
▲ 0.50% · 4.625%
HK$105,272
+HK$5,271/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$200,002/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,338
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,522
−HK$3,234/mo
Today · 4.125%
HK$108,756
baseline
▲ 0.50% · 4.625%
HK$115,373
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,512/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,850
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,904
−HK$3,097/mo
Today · 4.125%
HK$120,001
baseline
▲ 0.50% · 4.625%
HK$126,327
+HK$6,326/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$240,002/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,395
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,109
−HK$3,773/mo
Today · 4.125%
HK$126,882
baseline
▲ 0.50% · 4.625%
HK$134,602
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,764/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,826
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,388
−HK$3,614/mo
Today · 4.125%
HK$140,002
baseline
▲ 0.50% · 4.625%
HK$147,381
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$280,004/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,508
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,283
−HK$4,851/mo
Today · 4.125%
HK$163,134
baseline
▲ 0.50% · 4.625%
HK$173,060
+HK$9,926/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,268/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,776
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,356
−HK$4,646/mo
Today · 4.125%
HK$180,002
baseline
▲ 0.50% · 4.625%
HK$189,490
+HK$9,488/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$360,004/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,509 · Scale 2, in force from 26 Feb 2026)