LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,619
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,531
−HK$2,958/mo
Today · 4.125%
HK$99,489
baseline
▲ 0.50% · 4.625%
HK$105,543
+HK$6,054/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$198,978/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,150
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,943
−HK$2,834/mo
Today · 4.125%
HK$109,777
baseline
▲ 0.50% · 4.625%
HK$115,563
+HK$5,786/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,554/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,342
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$115,837
−HK$3,550/mo
Today · 4.125%
HK$119,387
baseline
▲ 0.50% · 4.625%
HK$126,652
+HK$7,265/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,774/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,980
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,332
−HK$3,400/mo
Today · 4.125%
HK$131,732
baseline
▲ 0.50% · 4.625%
HK$138,676
+HK$6,944/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,464/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,066
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,143
−HK$4,142/mo
Today · 4.125%
HK$139,285
baseline
▲ 0.50% · 4.625%
HK$147,760
+HK$8,475/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$278,570/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,810
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,720
−HK$3,967/mo
Today · 4.125%
HK$153,687
baseline
▲ 0.50% · 4.625%
HK$161,789
+HK$8,102/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$307,374/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,514
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$173,755
−HK$5,326/mo
Today · 4.125%
HK$179,081
baseline
▲ 0.50% · 4.625%
HK$189,978
+HK$10,897/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$358,162/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,470
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$192,498
−HK$5,100/mo
Today · 4.125%
HK$197,598
baseline
▲ 0.50% · 4.625%
HK$208,014
+HK$10,416/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$395,196/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,890 · Scale 2, in force from 26 Feb 2026)