LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,304
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,300
−HK$3,043/mo
Today · 4.125%
HK$102,343
baseline
▲ 0.50% · 4.625%
HK$108,570
+HK$6,227/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,686/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,137
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,011
−HK$2,915/mo
Today · 4.125%
HK$112,926
baseline
▲ 0.50% · 4.625%
HK$118,878
+HK$5,952/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,852/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,565
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,160
−HK$3,652/mo
Today · 4.125%
HK$122,812
baseline
▲ 0.50% · 4.625%
HK$130,285
+HK$7,473/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$245,624/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,565
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,013
−HK$3,498/mo
Today · 4.125%
HK$135,511
baseline
▲ 0.50% · 4.625%
HK$142,654
+HK$7,143/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$271,022/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,826
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$139,019
−HK$4,261/mo
Today · 4.125%
HK$143,280
baseline
▲ 0.50% · 4.625%
HK$151,999
+HK$8,719/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$286,560/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,992
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,015
−HK$4,081/mo
Today · 4.125%
HK$158,096
baseline
▲ 0.50% · 4.625%
HK$166,429
+HK$8,333/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$316,192/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,347
−HK$10,871/mo
▼ 0.25% · 3.875%
HK$178,739
−HK$5,479/mo
Today · 4.125%
HK$184,218
baseline
▲ 0.50% · 4.625%
HK$195,427
+HK$11,209/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$368,436/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,847
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$198,019
−HK$5,247/mo
Today · 4.125%
HK$203,266
baseline
▲ 0.50% · 4.625%
HK$213,980
+HK$10,714/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$406,532/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,939 · Scale 2, in force from 26 Feb 2026)