LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,501
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,410
−HK$2,955/mo
Today · 4.125%
HK$99,365
baseline
▲ 0.50% · 4.625%
HK$105,411
+HK$6,046/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$198,730/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,019
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,809
−HK$2,830/mo
Today · 4.125%
HK$109,639
baseline
▲ 0.50% · 4.625%
HK$115,418
+HK$5,779/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$219,278/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,202
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,692
−HK$3,546/mo
Today · 4.125%
HK$119,238
baseline
▲ 0.50% · 4.625%
HK$126,493
+HK$7,255/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$238,476/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,823
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,171
−HK$3,396/mo
Today · 4.125%
HK$131,567
baseline
▲ 0.50% · 4.625%
HK$138,502
+HK$6,935/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$263,134/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,902
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$134,974
−HK$4,137/mo
Today · 4.125%
HK$139,111
baseline
▲ 0.50% · 4.625%
HK$147,575
+HK$8,464/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$278,222/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,627
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,533
−HK$3,962/mo
Today · 4.125%
HK$153,495
baseline
▲ 0.50% · 4.625%
HK$161,586
+HK$8,091/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$306,990/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,302
−HK$10,554/mo
▼ 0.25% · 3.875%
HK$173,537
−HK$5,319/mo
Today · 4.125%
HK$178,856
baseline
▲ 0.50% · 4.625%
HK$189,739
+HK$10,883/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$357,712/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,235
−HK$10,115/mo
▼ 0.25% · 3.875%
HK$192,256
−HK$5,094/mo
Today · 4.125%
HK$197,350
baseline
▲ 0.50% · 4.625%
HK$207,753
+HK$10,403/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$394,700/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,701 · Scale 2, in force from 26 Feb 2026)