LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,067
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,086
−HK$3,068/mo
Today · 4.125%
HK$103,154
baseline
▲ 0.50% · 4.625%
HK$109,431
+HK$6,277/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,308/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,986
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,882
−HK$2,938/mo
Today · 4.125%
HK$113,820
baseline
▲ 0.50% · 4.625%
HK$119,820
+HK$6,000/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,640/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,480
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,104
−HK$3,681/mo
Today · 4.125%
HK$123,785
baseline
▲ 0.50% · 4.625%
HK$131,317
+HK$7,532/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,570/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,583
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,059
−HK$3,525/mo
Today · 4.125%
HK$136,584
baseline
▲ 0.50% · 4.625%
HK$143,784
+HK$7,200/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,168/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,894
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$140,121
−HK$4,294/mo
Today · 4.125%
HK$144,415
baseline
▲ 0.50% · 4.625%
HK$153,203
+HK$8,788/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,830/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,180
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,235
−HK$4,113/mo
Today · 4.125%
HK$159,348
baseline
▲ 0.50% · 4.625%
HK$167,748
+HK$8,400/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,696/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,721
−HK$10,956/mo
▼ 0.25% · 3.875%
HK$180,155
−HK$5,522/mo
Today · 4.125%
HK$185,677
baseline
▲ 0.50% · 4.625%
HK$196,975
+HK$11,298/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$371,354/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,375
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$199,588
−HK$5,288/mo
Today · 4.125%
HK$204,876
baseline
▲ 0.50% · 4.625%
HK$215,676
+HK$10,800/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$409,752/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,159 · Scale 2, in force from 26 Feb 2026)