LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,912
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,802
−HK$2,936/mo
Today · 4.125%
HK$98,738
baseline
▲ 0.50% · 4.625%
HK$104,746
+HK$6,008/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,476/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,363
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,135
−HK$2,813/mo
Today · 4.125%
HK$108,948
baseline
▲ 0.50% · 4.625%
HK$114,690
+HK$5,742/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,896/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,494
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,962
−HK$3,524/mo
Today · 4.125%
HK$118,486
baseline
▲ 0.50% · 4.625%
HK$125,695
+HK$7,209/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$236,972/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,036
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,362
−HK$3,375/mo
Today · 4.125%
HK$130,737
baseline
▲ 0.50% · 4.625%
HK$137,628
+HK$6,891/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,474/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,076
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$134,122
−HK$4,111/mo
Today · 4.125%
HK$138,233
baseline
▲ 0.50% · 4.625%
HK$146,644
+HK$8,411/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$276,466/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,708
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,589
−HK$3,938/mo
Today · 4.125%
HK$152,527
baseline
▲ 0.50% · 4.625%
HK$160,566
+HK$8,039/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$305,054/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,241
−HK$10,487/mo
▼ 0.25% · 3.875%
HK$172,443
−HK$5,285/mo
Today · 4.125%
HK$177,728
baseline
▲ 0.50% · 4.625%
HK$188,543
+HK$10,815/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$355,456/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,054
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$191,044
−HK$5,062/mo
Today · 4.125%
HK$196,106
baseline
▲ 0.50% · 4.625%
HK$206,443
+HK$10,337/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$392,212/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,710 · Scale 2, in force from 26 Feb 2026)