LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,271
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,172
−HK$2,947/mo
Today · 4.125%
HK$99,119
baseline
▲ 0.50% · 4.625%
HK$105,151
+HK$6,032/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,238/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,763
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,545
−HK$2,824/mo
Today · 4.125%
HK$109,369
baseline
▲ 0.50% · 4.625%
HK$115,133
+HK$5,764/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,738/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,925
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,406
−HK$3,537/mo
Today · 4.125%
HK$118,943
baseline
▲ 0.50% · 4.625%
HK$126,181
+HK$7,238/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,886/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,515
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,854
−HK$3,388/mo
Today · 4.125%
HK$131,242
baseline
▲ 0.50% · 4.625%
HK$138,160
+HK$6,918/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,484/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,579
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,641
−HK$4,126/mo
Today · 4.125%
HK$138,767
baseline
▲ 0.50% · 4.625%
HK$147,211
+HK$8,444/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$277,534/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,268
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,164
−HK$3,952/mo
Today · 4.125%
HK$153,116
baseline
▲ 0.50% · 4.625%
HK$161,187
+HK$8,071/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$306,232/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,887
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$173,109
−HK$5,306/mo
Today · 4.125%
HK$178,415
baseline
▲ 0.50% · 4.625%
HK$189,271
+HK$10,856/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$356,830/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,773
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$191,782
−HK$5,081/mo
Today · 4.125%
HK$196,863
baseline
▲ 0.50% · 4.625%
HK$207,240
+HK$10,377/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$393,726/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,401 · Scale 2, in force from 26 Feb 2026)