LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,425
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,362
−HK$2,984/mo
Today · 4.125%
HK$100,346
baseline
▲ 0.50% · 4.625%
HK$106,452
+HK$6,106/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,692/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,047
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,864
−HK$2,858/mo
Today · 4.125%
HK$110,722
baseline
▲ 0.50% · 4.625%
HK$116,558
+HK$5,836/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,444/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,310
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,834
−HK$3,581/mo
Today · 4.125%
HK$120,415
baseline
▲ 0.50% · 4.625%
HK$127,742
+HK$7,327/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$240,830/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,056
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,437
−HK$3,429/mo
Today · 4.125%
HK$132,866
baseline
▲ 0.50% · 4.625%
HK$139,870
+HK$7,004/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$265,732/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,195
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,307
−HK$4,177/mo
Today · 4.125%
HK$140,484
baseline
▲ 0.50% · 4.625%
HK$149,033
+HK$8,549/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$280,968/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,065
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$151,009
−HK$4,002/mo
Today · 4.125%
HK$155,011
baseline
▲ 0.50% · 4.625%
HK$163,182
+HK$8,171/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$310,022/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,965
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$175,251
−HK$5,372/mo
Today · 4.125%
HK$180,623
baseline
▲ 0.50% · 4.625%
HK$191,613
+HK$10,990/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$361,246/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,084
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$194,155
−HK$5,145/mo
Today · 4.125%
HK$199,300
baseline
▲ 0.50% · 4.625%
HK$209,805
+HK$10,505/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$398,600/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,913 · Scale 2, in force from 26 Feb 2026)