LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,473
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,350
−HK$2,922/mo
Today · 4.125%
HK$98,272
baseline
▲ 0.50% · 4.625%
HK$104,252
+HK$5,980/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,544/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,875
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,635
−HK$2,799/mo
Today · 4.125%
HK$108,434
baseline
▲ 0.50% · 4.625%
HK$114,149
+HK$5,715/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,868/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,968
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,420
−HK$3,506/mo
Today · 4.125%
HK$117,926
baseline
▲ 0.50% · 4.625%
HK$125,102
+HK$7,176/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,852/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,451
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,761
−HK$3,359/mo
Today · 4.125%
HK$130,120
baseline
▲ 0.50% · 4.625%
HK$136,979
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,240/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,462
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,489
−HK$4,092/mo
Today · 4.125%
HK$137,581
baseline
▲ 0.50% · 4.625%
HK$145,952
+HK$8,371/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,162/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,026
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,888
−HK$3,919/mo
Today · 4.125%
HK$151,807
baseline
▲ 0.50% · 4.625%
HK$159,809
+HK$8,002/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,614/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,452
−HK$10,438/mo
▼ 0.25% · 3.875%
HK$171,629
−HK$5,261/mo
Today · 4.125%
HK$176,890
baseline
▲ 0.50% · 4.625%
HK$187,653
+HK$10,763/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,780/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,176
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$190,142
−HK$5,038/mo
Today · 4.125%
HK$195,180
baseline
▲ 0.50% · 4.625%
HK$205,469
+HK$10,289/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,360/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,539 · Scale 2, in force from 26 Feb 2026)