LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,699
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,396
−HK$2,739/mo
Today · 4.125%
HK$92,135
baseline
▲ 0.50% · 4.625%
HK$97,742
+HK$5,607/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,270/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,451
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,038
−HK$2,624/mo
Today · 4.125%
HK$101,662
baseline
▲ 0.50% · 4.625%
HK$107,021
+HK$5,359/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,324/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,038
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,275
−HK$3,288/mo
Today · 4.125%
HK$110,563
baseline
▲ 0.50% · 4.625%
HK$117,290
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,126/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,742
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,846
−HK$3,149/mo
Today · 4.125%
HK$121,995
baseline
▲ 0.50% · 4.625%
HK$128,425
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,990/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,378
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,154
−HK$3,836/mo
Today · 4.125%
HK$128,990
baseline
▲ 0.50% · 4.625%
HK$136,838
+HK$7,848/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$257,980/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,032
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,654
−HK$3,673/mo
Today · 4.125%
HK$142,327
baseline
▲ 0.50% · 4.625%
HK$149,830
+HK$7,503/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,654/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,058
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,912
−HK$4,932/mo
Today · 4.125%
HK$165,844
baseline
▲ 0.50% · 4.625%
HK$175,935
+HK$10,091/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,688/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,613
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,269
−HK$4,723/mo
Today · 4.125%
HK$182,992
baseline
▲ 0.50% · 4.625%
HK$192,638
+HK$9,646/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,984/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,913 · Scale 2, in force from 26 Feb 2026)