LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,575
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,454
−HK$2,926/mo
Today · 4.125%
HK$98,380
baseline
▲ 0.50% · 4.625%
HK$104,366
+HK$5,986/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,760/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,989
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,751
−HK$2,802/mo
Today · 4.125%
HK$108,553
baseline
▲ 0.50% · 4.625%
HK$114,275
+HK$5,722/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,106/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,090
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,545
−HK$3,511/mo
Today · 4.125%
HK$118,056
baseline
▲ 0.50% · 4.625%
HK$125,240
+HK$7,184/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,112/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,586
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,901
−HK$3,362/mo
Today · 4.125%
HK$130,263
baseline
▲ 0.50% · 4.625%
HK$137,130
+HK$6,867/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,526/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,605
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,636
−HK$4,096/mo
Today · 4.125%
HK$137,732
baseline
▲ 0.50% · 4.625%
HK$146,113
+HK$8,381/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,464/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,184
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$148,051
−HK$3,923/mo
Today · 4.125%
HK$151,974
baseline
▲ 0.50% · 4.625%
HK$159,985
+HK$8,011/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,948/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,635
−HK$10,449/mo
▼ 0.25% · 3.875%
HK$171,818
−HK$5,266/mo
Today · 4.125%
HK$177,084
baseline
▲ 0.50% · 4.625%
HK$187,859
+HK$10,775/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,168/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,379
−HK$10,016/mo
▼ 0.25% · 3.875%
HK$190,351
−HK$5,044/mo
Today · 4.125%
HK$195,395
baseline
▲ 0.50% · 4.625%
HK$205,694
+HK$10,299/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,790/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,434 · Scale 2, in force from 26 Feb 2026)