LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,238
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,982
−HK$2,789/mo
Today · 4.125%
HK$93,771
baseline
▲ 0.50% · 4.625%
HK$99,477
+HK$5,706/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,542/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,163
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,796
−HK$2,671/mo
Today · 4.125%
HK$103,467
baseline
▲ 0.50% · 4.625%
HK$108,921
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,934/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,885
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,179
−HK$3,346/mo
Today · 4.125%
HK$112,525
baseline
▲ 0.50% · 4.625%
HK$119,372
+HK$6,847/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,050/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,796
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,955
−HK$3,205/mo
Today · 4.125%
HK$124,160
baseline
▲ 0.50% · 4.625%
HK$130,705
+HK$6,545/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,320/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,533
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,375
−HK$3,904/mo
Today · 4.125%
HK$131,279
baseline
▲ 0.50% · 4.625%
HK$139,267
+HK$7,988/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,558/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,429
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,115
−HK$3,739/mo
Today · 4.125%
HK$144,854
baseline
▲ 0.50% · 4.625%
HK$152,489
+HK$7,635/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,708/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,828
−HK$9,960/mo
▼ 0.25% · 3.875%
HK$163,768
−HK$5,020/mo
Today · 4.125%
HK$168,788
baseline
▲ 0.50% · 4.625%
HK$179,058
+HK$10,270/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,576/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,694
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$181,433
−HK$4,808/mo
Today · 4.125%
HK$186,241
baseline
▲ 0.50% · 4.625%
HK$196,058
+HK$9,817/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,482/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,596 · Scale 2, in force from 26 Feb 2026)