LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,724
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,639
−HK$2,962/mo
Today · 4.125%
HK$99,601
baseline
▲ 0.50% · 4.625%
HK$105,661
+HK$6,060/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,202/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,266
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,063
−HK$2,837/mo
Today · 4.125%
HK$109,900
baseline
▲ 0.50% · 4.625%
HK$115,693
+HK$5,793/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,800/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,468
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,967
−HK$3,554/mo
Today · 4.125%
HK$119,521
baseline
▲ 0.50% · 4.625%
HK$126,794
+HK$7,273/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$239,042/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,120
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,475
−HK$3,405/mo
Today · 4.125%
HK$131,880
baseline
▲ 0.50% · 4.625%
HK$138,831
+HK$6,951/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,760/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,213
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$135,294
−HK$4,147/mo
Today · 4.125%
HK$139,441
baseline
▲ 0.50% · 4.625%
HK$147,926
+HK$8,485/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,882/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,973
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,888
−HK$3,972/mo
Today · 4.125%
HK$153,860
baseline
▲ 0.50% · 4.625%
HK$161,970
+HK$8,110/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,720/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,702
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$173,950
−HK$5,331/mo
Today · 4.125%
HK$179,281
baseline
▲ 0.50% · 4.625%
HK$190,190
+HK$10,909/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$358,562/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,680
−HK$10,139/mo
▼ 0.25% · 3.875%
HK$192,713
−HK$5,106/mo
Today · 4.125%
HK$197,819
baseline
▲ 0.50% · 4.625%
HK$208,247
+HK$10,428/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$395,638/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,843 · Scale 2, in force from 26 Feb 2026)