LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,661
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,574
−HK$2,960/mo
Today · 4.125%
HK$99,534
baseline
▲ 0.50% · 4.625%
HK$105,590
+HK$6,056/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,068/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,196
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,991
−HK$2,835/mo
Today · 4.125%
HK$109,826
baseline
▲ 0.50% · 4.625%
HK$115,615
+HK$5,789/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,652/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,393
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,889
−HK$3,552/mo
Today · 4.125%
HK$119,441
baseline
▲ 0.50% · 4.625%
HK$126,708
+HK$7,267/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$238,882/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,036
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,389
−HK$3,402/mo
Today · 4.125%
HK$131,791
baseline
▲ 0.50% · 4.625%
HK$138,738
+HK$6,947/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$263,582/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,125
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,203
−HK$4,144/mo
Today · 4.125%
HK$139,347
baseline
▲ 0.50% · 4.625%
HK$147,826
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,694/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,875
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,787
−HK$3,969/mo
Today · 4.125%
HK$153,756
baseline
▲ 0.50% · 4.625%
HK$161,861
+HK$8,105/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,512/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,589
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$173,833
−HK$5,328/mo
Today · 4.125%
HK$179,161
baseline
▲ 0.50% · 4.625%
HK$190,062
+HK$10,901/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,322/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,554
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$192,584
−HK$5,102/mo
Today · 4.125%
HK$197,686
baseline
▲ 0.50% · 4.625%
HK$208,107
+HK$10,421/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,372/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,669 · Scale 2, in force from 26 Feb 2026)