LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,439
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,315
−HK$2,921/mo
Today · 4.125%
HK$98,236
baseline
▲ 0.50% · 4.625%
HK$104,214
+HK$5,978/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,472/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,838
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,596
−HK$2,798/mo
Today · 4.125%
HK$108,394
baseline
▲ 0.50% · 4.625%
HK$114,108
+HK$5,714/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,788/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,927
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,378
−HK$3,505/mo
Today · 4.125%
HK$117,883
baseline
▲ 0.50% · 4.625%
HK$125,056
+HK$7,173/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$235,766/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,406
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,715
−HK$3,358/mo
Today · 4.125%
HK$130,073
baseline
▲ 0.50% · 4.625%
HK$136,929
+HK$6,856/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$260,146/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,415
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,441
−HK$4,090/mo
Today · 4.125%
HK$137,531
baseline
▲ 0.50% · 4.625%
HK$145,899
+HK$8,368/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$275,062/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,973
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,834
−HK$3,918/mo
Today · 4.125%
HK$151,752
baseline
▲ 0.50% · 4.625%
HK$159,751
+HK$7,999/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$303,504/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,391
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,567
−HK$5,258/mo
Today · 4.125%
HK$176,825
baseline
▲ 0.50% · 4.625%
HK$187,585
+HK$10,760/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$353,650/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,108
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$190,073
−HK$5,036/mo
Today · 4.125%
HK$195,109
baseline
▲ 0.50% · 4.625%
HK$205,394
+HK$10,285/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$390,218/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,911 · Scale 2, in force from 26 Feb 2026)