LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,246
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,959
−HK$2,758/mo
Today · 4.125%
HK$92,717
baseline
▲ 0.50% · 4.625%
HK$98,358
+HK$5,641/mo
Deposit HK$19.13M · loan HK$19.13M · min. income ≈ HK$185,434/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,060
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,663
−HK$2,641/mo
Today · 4.125%
HK$102,304
baseline
▲ 0.50% · 4.625%
HK$107,696
+HK$5,392/mo
Deposit HK$19.13M · loan HK$19.13M · min. income ≈ HK$204,608/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,695
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,951
−HK$3,309/mo
Today · 4.125%
HK$111,260
baseline
▲ 0.50% · 4.625%
HK$118,030
+HK$6,770/mo
Deposit HK$15.30M · loan HK$22.96M · min. income ≈ HK$222,520/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,472
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,596
−HK$3,169/mo
Today · 4.125%
HK$122,765
baseline
▲ 0.50% · 4.625%
HK$129,236
+HK$6,471/mo
Deposit HK$15.30M · loan HK$22.96M · min. income ≈ HK$245,530/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,144
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$125,943
−HK$3,860/mo
Today · 4.125%
HK$129,803
baseline
▲ 0.50% · 4.625%
HK$137,702
+HK$7,899/mo
Deposit HK$11.48M · loan HK$26.78M · min. income ≈ HK$259,606/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,884
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$139,528
−HK$3,697/mo
Today · 4.125%
HK$143,225
baseline
▲ 0.50% · 4.625%
HK$150,775
+HK$7,550/mo
Deposit HK$11.48M · loan HK$26.78M · min. income ≈ HK$286,450/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,042
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$161,927
−HK$4,963/mo
Today · 4.125%
HK$166,890
baseline
▲ 0.50% · 4.625%
HK$177,045
+HK$10,155/mo
Deposit HK$3.83M · loan HK$34.44M · min. income ≈ HK$333,780/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,708
−HK$9,439/mo
▼ 0.25% · 3.875%
HK$179,393
−HK$4,754/mo
Today · 4.125%
HK$184,147
baseline
▲ 0.50% · 4.625%
HK$193,853
+HK$9,706/mo
Deposit HK$3.83M · loan HK$34.44M · min. income ≈ HK$368,294/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,626,107 · Scale 2, in force from 26 Feb 2026)