LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,620
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,501
−HK$2,927/mo
Today · 4.125%
HK$98,428
baseline
▲ 0.50% · 4.625%
HK$104,417
+HK$5,989/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,856/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,038
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,802
−HK$2,803/mo
Today · 4.125%
HK$108,605
baseline
▲ 0.50% · 4.625%
HK$114,330
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,210/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,144
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,601
−HK$3,512/mo
Today · 4.125%
HK$118,113
baseline
▲ 0.50% · 4.625%
HK$125,300
+HK$7,187/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,226/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,646
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,962
−HK$3,364/mo
Today · 4.125%
HK$130,326
baseline
▲ 0.50% · 4.625%
HK$137,196
+HK$6,870/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,652/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,668
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,701
−HK$4,098/mo
Today · 4.125%
HK$137,799
baseline
▲ 0.50% · 4.625%
HK$146,184
+HK$8,385/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$275,598/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,254
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,123
−HK$3,924/mo
Today · 4.125%
HK$152,047
baseline
▲ 0.50% · 4.625%
HK$160,062
+HK$8,015/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$304,094/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,715
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$171,901
−HK$5,269/mo
Today · 4.125%
HK$177,170
baseline
▲ 0.50% · 4.625%
HK$187,950
+HK$10,780/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,340/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,469
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$190,443
−HK$5,047/mo
Today · 4.125%
HK$195,490
baseline
▲ 0.50% · 4.625%
HK$205,794
+HK$10,304/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$390,980/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,270 · Scale 2, in force from 26 Feb 2026)