LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,843
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,607
−HK$2,807/mo
Today · 4.125%
HK$94,414
baseline
▲ 0.50% · 4.625%
HK$100,159
+HK$5,745/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,828/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,837
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,488
−HK$2,689/mo
Today · 4.125%
HK$104,177
baseline
▲ 0.50% · 4.625%
HK$109,668
+HK$5,491/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,354/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,612
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,928
−HK$3,369/mo
Today · 4.125%
HK$113,297
baseline
▲ 0.50% · 4.625%
HK$120,191
+HK$6,894/mo
Deposit HK$15.58M · loan HK$23.38M · min. income ≈ HK$226,594/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,604
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,785
−HK$3,227/mo
Today · 4.125%
HK$125,012
baseline
▲ 0.50% · 4.625%
HK$131,602
+HK$6,590/mo
Deposit HK$15.58M · loan HK$23.38M · min. income ≈ HK$250,024/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,380
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,249
−HK$3,931/mo
Today · 4.125%
HK$132,180
baseline
▲ 0.50% · 4.625%
HK$140,223
+HK$8,043/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$264,360/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,372
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,083
−HK$3,765/mo
Today · 4.125%
HK$145,848
baseline
▲ 0.50% · 4.625%
HK$153,535
+HK$7,687/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$291,696/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,918
−HK$10,028/mo
▼ 0.25% · 3.875%
HK$164,892
−HK$5,054/mo
Today · 4.125%
HK$169,946
baseline
▲ 0.50% · 4.625%
HK$180,287
+HK$10,341/mo
Deposit HK$3.90M · loan HK$35.07M · min. income ≈ HK$339,892/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,907
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$182,678
−HK$4,840/mo
Today · 4.125%
HK$187,518
baseline
▲ 0.50% · 4.625%
HK$197,403
+HK$9,885/mo
Deposit HK$3.90M · loan HK$35.07M · min. income ≈ HK$375,036/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,881 · Scale 2, in force from 26 Feb 2026)