LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,177
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,857
−HK$2,724/mo
Today · 4.125%
HK$91,581
baseline
▲ 0.50% · 4.625%
HK$97,153
+HK$5,572/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$183,162/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,871
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,442
−HK$2,608/mo
Today · 4.125%
HK$101,050
baseline
▲ 0.50% · 4.625%
HK$106,377
+HK$5,327/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$202,100/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,412
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,629
−HK$3,268/mo
Today · 4.125%
HK$109,897
baseline
▲ 0.50% · 4.625%
HK$116,584
+HK$6,687/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$219,794/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,045
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,130
−HK$3,130/mo
Today · 4.125%
HK$121,260
baseline
▲ 0.50% · 4.625%
HK$127,652
+HK$6,392/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$242,520/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,647
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$124,400
−HK$3,813/mo
Today · 4.125%
HK$128,213
baseline
▲ 0.50% · 4.625%
HK$136,014
+HK$7,801/mo
Deposit HK$11.34M · loan HK$26.45M · min. income ≈ HK$256,426/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,219
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,819
−HK$3,651/mo
Today · 4.125%
HK$141,470
baseline
▲ 0.50% · 4.625%
HK$148,927
+HK$7,457/mo
Deposit HK$11.34M · loan HK$26.45M · min. income ≈ HK$282,940/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,118
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$159,943
−HK$4,902/mo
Today · 4.125%
HK$164,845
baseline
▲ 0.50% · 4.625%
HK$174,876
+HK$10,031/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$329,690/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,567
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$177,195
−HK$4,695/mo
Today · 4.125%
HK$181,890
baseline
▲ 0.50% · 4.625%
HK$191,478
+HK$9,588/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$363,780/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,183 · Scale 2, in force from 26 Feb 2026)