LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,307
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,960
−HK$2,696/mo
Today · 4.125%
HK$90,656
baseline
▲ 0.50% · 4.625%
HK$96,173
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,312/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,903
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,448
−HK$2,582/mo
Today · 4.125%
HK$100,030
baseline
▲ 0.50% · 4.625%
HK$105,303
+HK$5,273/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,060/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,368
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,552
−HK$3,236/mo
Today · 4.125%
HK$108,788
baseline
▲ 0.50% · 4.625%
HK$115,407
+HK$6,619/mo
Deposit HK$14.96M · loan HK$22.45M · min. income ≈ HK$217,576/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,884
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,938
−HK$3,098/mo
Today · 4.125%
HK$120,036
baseline
▲ 0.50% · 4.625%
HK$126,364
+HK$6,328/mo
Deposit HK$14.96M · loan HK$22.45M · min. income ≈ HK$240,072/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,430
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$123,145
−HK$3,774/mo
Today · 4.125%
HK$126,919
baseline
▲ 0.50% · 4.625%
HK$134,642
+HK$7,723/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,838/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,864
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,428
−HK$3,614/mo
Today · 4.125%
HK$140,042
baseline
▲ 0.50% · 4.625%
HK$147,424
+HK$7,382/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,084/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,552
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,329
−HK$4,852/mo
Today · 4.125%
HK$163,181
baseline
▲ 0.50% · 4.625%
HK$173,111
+HK$9,930/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,362/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,825
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,407
−HK$4,648/mo
Today · 4.125%
HK$180,055
baseline
▲ 0.50% · 4.625%
HK$189,546
+HK$9,491/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,110/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,972 · Scale 2, in force from 26 Feb 2026)