LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,720
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,448
−HK$2,772/mo
Today · 4.125%
HK$93,220
baseline
▲ 0.50% · 4.625%
HK$98,893
+HK$5,673/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,440/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,587
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,204
−HK$2,656/mo
Today · 4.125%
HK$102,860
baseline
▲ 0.50% · 4.625%
HK$108,281
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,720/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,264
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,538
−HK$3,327/mo
Today · 4.125%
HK$111,865
baseline
▲ 0.50% · 4.625%
HK$118,671
+HK$6,806/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,730/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,105
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,245
−HK$3,186/mo
Today · 4.125%
HK$123,431
baseline
▲ 0.50% · 4.625%
HK$129,938
+HK$6,507/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,862/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,807
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,627
−HK$3,882/mo
Today · 4.125%
HK$130,509
baseline
▲ 0.50% · 4.625%
HK$138,450
+HK$7,941/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,018/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,622
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,286
−HK$3,717/mo
Today · 4.125%
HK$144,003
baseline
▲ 0.50% · 4.625%
HK$151,594
+HK$7,591/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,006/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,895
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,807
−HK$4,990/mo
Today · 4.125%
HK$167,797
baseline
▲ 0.50% · 4.625%
HK$178,007
+HK$10,210/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,594/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,657
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$180,368
−HK$4,779/mo
Today · 4.125%
HK$185,147
baseline
▲ 0.50% · 4.625%
HK$194,907
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,294/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,941 · Scale 2, in force from 26 Feb 2026)