LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,313
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,967
−HK$2,696/mo
Today · 4.125%
HK$90,663
baseline
▲ 0.50% · 4.625%
HK$96,180
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,326/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,910
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,455
−HK$2,583/mo
Today · 4.125%
HK$100,038
baseline
▲ 0.50% · 4.625%
HK$105,311
+HK$5,273/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,076/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,376
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,560
−HK$3,236/mo
Today · 4.125%
HK$108,796
baseline
▲ 0.50% · 4.625%
HK$115,416
+HK$6,620/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,592/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,892
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,946
−HK$3,099/mo
Today · 4.125%
HK$120,045
baseline
▲ 0.50% · 4.625%
HK$126,373
+HK$6,328/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,090/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,438
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,154
−HK$3,774/mo
Today · 4.125%
HK$126,928
baseline
▲ 0.50% · 4.625%
HK$134,651
+HK$7,723/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$253,856/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,874
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,438
−HK$3,615/mo
Today · 4.125%
HK$140,053
baseline
▲ 0.50% · 4.625%
HK$147,435
+HK$7,382/mo
Deposit HK$11.22M · loan HK$26.19M · min. income ≈ HK$280,106/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,564
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,340
−HK$4,853/mo
Today · 4.125%
HK$163,193
baseline
▲ 0.50% · 4.625%
HK$173,123
+HK$9,930/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$326,386/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,838
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,420
−HK$4,648/mo
Today · 4.125%
HK$180,068
baseline
▲ 0.50% · 4.625%
HK$189,559
+HK$9,491/mo
Deposit HK$3.74M · loan HK$33.67M · min. income ≈ HK$360,136/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,088 · Scale 2, in force from 26 Feb 2026)