LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,073
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,781
−HK$2,752/mo
Today · 4.125%
HK$92,533
baseline
▲ 0.50% · 4.625%
HK$98,163
+HK$5,630/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,066/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,867
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,465
−HK$2,636/mo
Today · 4.125%
HK$102,101
baseline
▲ 0.50% · 4.625%
HK$107,483
+HK$5,382/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,202/mo (50% DSR)
Upfront cash ≈ HK$20.72M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,487
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,737
−HK$3,302/mo
Today · 4.125%
HK$111,039
baseline
▲ 0.50% · 4.625%
HK$117,796
+HK$6,757/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,078/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,241
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,358
−HK$3,163/mo
Today · 4.125%
HK$122,521
baseline
▲ 0.50% · 4.625%
HK$128,979
+HK$6,458/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$245,042/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,902
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,694
−HK$3,852/mo
Today · 4.125%
HK$129,546
baseline
▲ 0.50% · 4.625%
HK$137,429
+HK$7,883/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,092/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,614
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,252
−HK$3,689/mo
Today · 4.125%
HK$142,941
baseline
▲ 0.50% · 4.625%
HK$150,476
+HK$7,535/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,882/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,731
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$161,606
−HK$4,953/mo
Today · 4.125%
HK$166,559
baseline
▲ 0.50% · 4.625%
HK$176,694
+HK$10,135/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,118/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,361
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$179,038
−HK$4,744/mo
Today · 4.125%
HK$183,782
baseline
▲ 0.50% · 4.625%
HK$193,469
+HK$9,687/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,564/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,883 · Scale 2, in force from 26 Feb 2026)