LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,635
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,578
−HK$2,991/mo
Today · 4.125%
HK$100,569
baseline
▲ 0.50% · 4.625%
HK$106,689
+HK$6,120/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,138/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,280
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,104
−HK$2,864/mo
Today · 4.125%
HK$110,968
baseline
▲ 0.50% · 4.625%
HK$116,817
+HK$5,849/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,936/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,562
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,094
−HK$3,589/mo
Today · 4.125%
HK$120,683
baseline
▲ 0.50% · 4.625%
HK$128,026
+HK$7,343/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,366/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,336
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,725
−HK$3,437/mo
Today · 4.125%
HK$133,162
baseline
▲ 0.50% · 4.625%
HK$140,181
+HK$7,019/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,324/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,489
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$136,610
−HK$4,187/mo
Today · 4.125%
HK$140,797
baseline
▲ 0.50% · 4.625%
HK$149,364
+HK$8,567/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$281,594/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,392
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$151,345
−HK$4,010/mo
Today · 4.125%
HK$155,355
baseline
▲ 0.50% · 4.625%
HK$163,544
+HK$8,189/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$310,710/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,343
−HK$10,682/mo
▼ 0.25% · 3.875%
HK$175,641
−HK$5,384/mo
Today · 4.125%
HK$181,025
baseline
▲ 0.50% · 4.625%
HK$192,039
+HK$11,014/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$362,050/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,504
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,587
−HK$5,156/mo
Today · 4.125%
HK$199,743
baseline
▲ 0.50% · 4.625%
HK$210,271
+HK$10,528/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$399,486/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,827 · Scale 2, in force from 26 Feb 2026)