LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,111
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,008
−HK$2,942/mo
Today · 4.125%
HK$98,950
baseline
▲ 0.50% · 4.625%
HK$104,971
+HK$6,021/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,900/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,586
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,364
−HK$2,818/mo
Today · 4.125%
HK$109,182
baseline
▲ 0.50% · 4.625%
HK$114,937
+HK$5,755/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,364/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,734
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$115,209
−HK$3,531/mo
Today · 4.125%
HK$118,740
baseline
▲ 0.50% · 4.625%
HK$125,965
+HK$7,225/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$237,480/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,303
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,636
−HK$3,382/mo
Today · 4.125%
HK$131,018
baseline
▲ 0.50% · 4.625%
HK$137,924
+HK$6,906/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$262,036/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,356
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$134,411
−HK$4,119/mo
Today · 4.125%
HK$138,530
baseline
▲ 0.50% · 4.625%
HK$146,960
+HK$8,430/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$277,060/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,020
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$148,909
−HK$3,946/mo
Today · 4.125%
HK$152,855
baseline
▲ 0.50% · 4.625%
HK$160,912
+HK$8,057/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$305,710/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,601
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$172,814
−HK$5,297/mo
Today · 4.125%
HK$178,111
baseline
▲ 0.50% · 4.625%
HK$188,948
+HK$10,837/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$356,222/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,454
−HK$10,073/mo
▼ 0.25% · 3.875%
HK$191,455
−HK$5,072/mo
Today · 4.125%
HK$196,527
baseline
▲ 0.50% · 4.625%
HK$206,887
+HK$10,360/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$393,054/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,435 · Scale 2, in force from 26 Feb 2026)