LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,283
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,123
−HK$2,885/mo
Today · 4.125%
HK$97,008
baseline
▲ 0.50% · 4.625%
HK$102,910
+HK$5,902/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,016/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,552
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,275
−HK$2,763/mo
Today · 4.125%
HK$107,038
baseline
▲ 0.50% · 4.625%
HK$112,680
+HK$5,642/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,076/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,540
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,947
−HK$3,462/mo
Today · 4.125%
HK$116,409
baseline
▲ 0.50% · 4.625%
HK$123,492
+HK$7,083/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$232,818/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,862
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,130
−HK$3,316/mo
Today · 4.125%
HK$128,446
baseline
▲ 0.50% · 4.625%
HK$135,217
+HK$6,771/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$256,892/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,797
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$131,772
−HK$4,039/mo
Today · 4.125%
HK$135,811
baseline
▲ 0.50% · 4.625%
HK$144,074
+HK$8,263/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,622/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,172
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$145,985
−HK$3,869/mo
Today · 4.125%
HK$149,854
baseline
▲ 0.50% · 4.625%
HK$157,753
+HK$7,899/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,708/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,310
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$169,421
−HK$5,193/mo
Today · 4.125%
HK$174,614
baseline
▲ 0.50% · 4.625%
HK$185,238
+HK$10,624/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$349,228/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,793
−HK$9,876/mo
▼ 0.25% · 3.875%
HK$187,696
−HK$4,973/mo
Today · 4.125%
HK$192,669
baseline
▲ 0.50% · 4.625%
HK$202,825
+HK$10,156/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$385,338/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,362 · Scale 2, in force from 26 Feb 2026)