LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,168
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,880
−HK$2,755/mo
Today · 4.125%
HK$92,635
baseline
▲ 0.50% · 4.625%
HK$98,271
+HK$5,636/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,270/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,974
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,575
−HK$2,638/mo
Today · 4.125%
HK$102,213
baseline
▲ 0.50% · 4.625%
HK$107,601
+HK$5,388/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,426/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,602
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,856
−HK$3,306/mo
Today · 4.125%
HK$111,162
baseline
▲ 0.50% · 4.625%
HK$117,926
+HK$6,764/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,324/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,369
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,490
−HK$3,166/mo
Today · 4.125%
HK$122,656
baseline
▲ 0.50% · 4.625%
HK$129,121
+HK$6,465/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,312/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,036
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,832
−HK$3,857/mo
Today · 4.125%
HK$129,689
baseline
▲ 0.50% · 4.625%
HK$137,580
+HK$7,891/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,378/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,764
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,405
−HK$3,694/mo
Today · 4.125%
HK$143,099
baseline
▲ 0.50% · 4.625%
HK$150,641
+HK$7,542/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,198/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,903
−HK$9,839/mo
▼ 0.25% · 3.875%
HK$161,784
−HK$4,958/mo
Today · 4.125%
HK$166,742
baseline
▲ 0.50% · 4.625%
HK$176,888
+HK$10,146/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$333,484/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,553
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,235
−HK$4,749/mo
Today · 4.125%
HK$183,984
baseline
▲ 0.50% · 4.625%
HK$193,682
+HK$9,698/mo
Deposit HK$3.82M · loan HK$34.40M · min. income ≈ HK$367,968/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,668 · Scale 2, in force from 26 Feb 2026)