LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,680
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,376
−HK$2,739/mo
Today · 4.125%
HK$92,115
baseline
▲ 0.50% · 4.625%
HK$97,720
+HK$5,605/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,230/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,430
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,017
−HK$2,623/mo
Today · 4.125%
HK$101,640
baseline
▲ 0.50% · 4.625%
HK$106,998
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,280/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,016
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,251
−HK$3,287/mo
Today · 4.125%
HK$110,538
baseline
▲ 0.50% · 4.625%
HK$117,264
+HK$6,726/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,076/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,716
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,820
−HK$3,148/mo
Today · 4.125%
HK$121,968
baseline
▲ 0.50% · 4.625%
HK$128,397
+HK$6,429/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,936/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,352
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,126
−HK$3,835/mo
Today · 4.125%
HK$128,961
baseline
▲ 0.50% · 4.625%
HK$136,808
+HK$7,847/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,922/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,002
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$138,623
−HK$3,673/mo
Today · 4.125%
HK$142,296
baseline
▲ 0.50% · 4.625%
HK$149,797
+HK$7,501/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,592/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,023
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$160,877
−HK$4,931/mo
Today · 4.125%
HK$165,808
baseline
▲ 0.50% · 4.625%
HK$175,897
+HK$10,089/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,616/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,575
−HK$9,377/mo
▼ 0.25% · 3.875%
HK$178,230
−HK$4,722/mo
Today · 4.125%
HK$182,952
baseline
▲ 0.50% · 4.625%
HK$192,596
+HK$9,644/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,904/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,559 · Scale 2, in force from 26 Feb 2026)