LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,115
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,794
−HK$2,722/mo
Today · 4.125%
HK$91,516
baseline
▲ 0.50% · 4.625%
HK$97,084
+HK$5,568/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,032/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,803
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,372
−HK$2,606/mo
Today · 4.125%
HK$100,978
baseline
▲ 0.50% · 4.625%
HK$106,301
+HK$5,323/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,956/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,339
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,553
−HK$3,266/mo
Today · 4.125%
HK$109,819
baseline
▲ 0.50% · 4.625%
HK$116,501
+HK$6,682/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$219,638/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,963
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,046
−HK$3,128/mo
Today · 4.125%
HK$121,174
baseline
▲ 0.50% · 4.625%
HK$127,561
+HK$6,387/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$242,348/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,562
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,312
−HK$3,810/mo
Today · 4.125%
HK$128,122
baseline
▲ 0.50% · 4.625%
HK$135,918
+HK$7,796/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$256,244/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,124
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,721
−HK$3,649/mo
Today · 4.125%
HK$141,370
baseline
▲ 0.50% · 4.625%
HK$148,822
+HK$7,452/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$282,740/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,008
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$159,829
−HK$4,899/mo
Today · 4.125%
HK$164,728
baseline
▲ 0.50% · 4.625%
HK$174,751
+HK$10,023/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,456/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,445
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$177,069
−HK$4,692/mo
Today · 4.125%
HK$181,761
baseline
▲ 0.50% · 4.625%
HK$191,342
+HK$9,581/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,522/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,042 · Scale 2, in force from 26 Feb 2026)