LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,625
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,289
−HK$2,706/mo
Today · 4.125%
HK$90,995
baseline
▲ 0.50% · 4.625%
HK$96,531
+HK$5,536/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$181,990/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,257
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,812
−HK$2,592/mo
Today · 4.125%
HK$100,404
baseline
▲ 0.50% · 4.625%
HK$105,696
+HK$5,292/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,808/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,750
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,946
−HK$3,248/mo
Today · 4.125%
HK$109,194
baseline
▲ 0.50% · 4.625%
HK$115,838
+HK$6,644/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$218,388/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,309
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,374
−HK$3,110/mo
Today · 4.125%
HK$120,484
baseline
▲ 0.50% · 4.625%
HK$126,835
+HK$6,351/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$240,968/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,875
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,604
−HK$3,788/mo
Today · 4.125%
HK$127,392
baseline
▲ 0.50% · 4.625%
HK$135,144
+HK$7,752/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,784/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,360
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,937
−HK$3,628/mo
Today · 4.125%
HK$140,565
baseline
▲ 0.50% · 4.625%
HK$147,974
+HK$7,409/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,130/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,125
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$158,919
−HK$4,871/mo
Today · 4.125%
HK$163,790
baseline
▲ 0.50% · 4.625%
HK$173,757
+HK$9,967/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$327,580/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,463
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$176,061
−HK$4,665/mo
Today · 4.125%
HK$180,726
baseline
▲ 0.50% · 4.625%
HK$190,253
+HK$9,527/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$361,452/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,904 · Scale 2, in force from 26 Feb 2026)