LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,500
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,253
−HK$2,797/mo
Today · 4.125%
HK$94,050
baseline
▲ 0.50% · 4.625%
HK$99,772
+HK$5,722/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,100/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,455
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,096
−HK$2,678/mo
Today · 4.125%
HK$103,774
baseline
▲ 0.50% · 4.625%
HK$109,244
+HK$5,470/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,548/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,200
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,503
−HK$3,356/mo
Today · 4.125%
HK$112,859
baseline
▲ 0.50% · 4.625%
HK$119,727
+HK$6,868/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$225,718/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,146
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,315
−HK$3,214/mo
Today · 4.125%
HK$124,529
baseline
▲ 0.50% · 4.625%
HK$131,093
+HK$6,564/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$249,058/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,900
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,754
−HK$3,915/mo
Today · 4.125%
HK$131,669
baseline
▲ 0.50% · 4.625%
HK$139,681
+HK$8,012/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,338/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,837
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,534
−HK$3,750/mo
Today · 4.125%
HK$145,284
baseline
▲ 0.50% · 4.625%
HK$152,942
+HK$7,658/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,568/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,300
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$164,255
−HK$5,034/mo
Today · 4.125%
HK$169,289
baseline
▲ 0.50% · 4.625%
HK$179,590
+HK$10,301/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,578/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,219
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$181,972
−HK$4,822/mo
Today · 4.125%
HK$186,794
baseline
▲ 0.50% · 4.625%
HK$196,640
+HK$9,846/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,588/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,482 · Scale 2, in force from 26 Feb 2026)