LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,140
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,068
−HK$2,975/mo
Today · 4.125%
HK$100,043
baseline
▲ 0.50% · 4.625%
HK$106,130
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,086/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,729
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,538
−HK$2,850/mo
Today · 4.125%
HK$110,388
baseline
▲ 0.50% · 4.625%
HK$116,206
+HK$5,818/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,776/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,968
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,482
−HK$3,570/mo
Today · 4.125%
HK$120,052
baseline
▲ 0.50% · 4.625%
HK$127,357
+HK$7,305/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,104/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,675
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,046
−HK$3,419/mo
Today · 4.125%
HK$132,465
baseline
▲ 0.50% · 4.625%
HK$139,448
+HK$6,983/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,930/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,796
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,895
−HK$4,165/mo
Today · 4.125%
HK$140,060
baseline
▲ 0.50% · 4.625%
HK$148,583
+HK$8,523/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$280,120/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,621
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,554
−HK$3,989/mo
Today · 4.125%
HK$154,543
baseline
▲ 0.50% · 4.625%
HK$162,689
+HK$8,146/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$309,086/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,451
−HK$10,627/mo
▼ 0.25% · 3.875%
HK$174,722
−HK$5,356/mo
Today · 4.125%
HK$180,078
baseline
▲ 0.50% · 4.625%
HK$191,035
+HK$10,957/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,156/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,513
−HK$10,185/mo
▼ 0.25% · 3.875%
HK$193,569
−HK$5,129/mo
Today · 4.125%
HK$198,698
baseline
▲ 0.50% · 4.625%
HK$209,171
+HK$10,473/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,396/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,600 · Scale 2, in force from 26 Feb 2026)