LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,132
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,060
−HK$2,975/mo
Today · 4.125%
HK$100,035
baseline
▲ 0.50% · 4.625%
HK$106,122
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,070/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,721
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,530
−HK$2,849/mo
Today · 4.125%
HK$110,379
baseline
▲ 0.50% · 4.625%
HK$116,197
+HK$5,818/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,758/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,959
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,472
−HK$3,570/mo
Today · 4.125%
HK$120,042
baseline
▲ 0.50% · 4.625%
HK$127,346
+HK$7,304/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,084/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,665
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,035
−HK$3,420/mo
Today · 4.125%
HK$132,455
baseline
▲ 0.50% · 4.625%
HK$139,436
+HK$6,981/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,910/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,785
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,884
−HK$4,165/mo
Today · 4.125%
HK$140,049
baseline
▲ 0.50% · 4.625%
HK$148,571
+HK$8,522/mo
Deposit HK$12.38M · loan HK$28.90M · min. income ≈ HK$280,098/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,609
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$150,541
−HK$3,989/mo
Today · 4.125%
HK$154,530
baseline
▲ 0.50% · 4.625%
HK$162,676
+HK$8,146/mo
Deposit HK$12.38M · loan HK$28.90M · min. income ≈ HK$309,060/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,438
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$174,708
−HK$5,355/mo
Today · 4.125%
HK$180,063
baseline
▲ 0.50% · 4.625%
HK$191,019
+HK$10,956/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$360,126/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,498
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$193,553
−HK$5,129/mo
Today · 4.125%
HK$198,682
baseline
▲ 0.50% · 4.625%
HK$209,155
+HK$10,473/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$397,364/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,458 · Scale 2, in force from 26 Feb 2026)