LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,609
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,614
−HK$3,053/mo
Today · 4.125%
HK$102,667
baseline
▲ 0.50% · 4.625%
HK$108,914
+HK$6,247/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,334/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,477
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,359
−HK$2,924/mo
Today · 4.125%
HK$113,283
baseline
▲ 0.50% · 4.625%
HK$119,255
+HK$5,972/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,566/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,931
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,537
−HK$3,664/mo
Today · 4.125%
HK$123,201
baseline
▲ 0.50% · 4.625%
HK$130,697
+HK$7,496/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,402/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,972
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,431
−HK$3,509/mo
Today · 4.125%
HK$135,940
baseline
▲ 0.50% · 4.625%
HK$143,105
+HK$7,165/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,880/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,253
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,460
−HK$4,274/mo
Today · 4.125%
HK$143,734
baseline
▲ 0.50% · 4.625%
HK$152,480
+HK$8,746/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$287,468/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,467
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,503
−HK$4,093/mo
Today · 4.125%
HK$158,596
baseline
▲ 0.50% · 4.625%
HK$166,956
+HK$8,360/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$317,192/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,896
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$179,305
−HK$5,496/mo
Today · 4.125%
HK$184,801
baseline
▲ 0.50% · 4.625%
HK$196,046
+HK$11,245/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,602/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,458
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$198,646
−HK$5,264/mo
Today · 4.125%
HK$203,910
baseline
▲ 0.50% · 4.625%
HK$214,658
+HK$10,748/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,820/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,624 · Scale 2, in force from 26 Feb 2026)