LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,253
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,185
−HK$2,978/mo
Today · 4.125%
HK$100,163
baseline
▲ 0.50% · 4.625%
HK$106,258
+HK$6,095/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,326/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,855
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,668
−HK$2,852/mo
Today · 4.125%
HK$110,520
baseline
▲ 0.50% · 4.625%
HK$116,346
+HK$5,826/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,040/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,104
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,622
−HK$3,574/mo
Today · 4.125%
HK$120,196
baseline
▲ 0.50% · 4.625%
HK$127,510
+HK$7,314/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$240,392/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,827
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,201
−HK$3,424/mo
Today · 4.125%
HK$132,625
baseline
▲ 0.50% · 4.625%
HK$139,615
+HK$6,990/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$265,250/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,954
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$136,059
−HK$4,170/mo
Today · 4.125%
HK$140,229
baseline
▲ 0.50% · 4.625%
HK$148,761
+HK$8,532/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$280,458/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,798
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,735
−HK$3,994/mo
Today · 4.125%
HK$154,729
baseline
▲ 0.50% · 4.625%
HK$162,885
+HK$8,156/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$309,458/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,655
−HK$10,639/mo
▼ 0.25% · 3.875%
HK$174,933
−HK$5,361/mo
Today · 4.125%
HK$180,294
baseline
▲ 0.50% · 4.625%
HK$191,265
+HK$10,971/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,588/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,740
−HK$10,197/mo
▼ 0.25% · 3.875%
HK$193,802
−HK$5,135/mo
Today · 4.125%
HK$198,937
baseline
▲ 0.50% · 4.625%
HK$209,423
+HK$10,486/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,874/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,711 · Scale 2, in force from 26 Feb 2026)