LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,262
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,288
−HK$3,073/mo
Today · 4.125%
HK$103,361
baseline
▲ 0.50% · 4.625%
HK$109,651
+HK$6,290/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,722/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,203
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,105
−HK$2,944/mo
Today · 4.125%
HK$114,049
baseline
▲ 0.50% · 4.625%
HK$120,061
+HK$6,012/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,098/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,715
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,345
−HK$3,689/mo
Today · 4.125%
HK$124,034
baseline
▲ 0.50% · 4.625%
HK$131,581
+HK$7,547/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,068/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,844
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,326
−HK$3,533/mo
Today · 4.125%
HK$136,859
baseline
▲ 0.50% · 4.625%
HK$144,073
+HK$7,214/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,718/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,167
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,403
−HK$4,303/mo
Today · 4.125%
HK$144,706
baseline
▲ 0.50% · 4.625%
HK$153,511
+HK$8,805/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,412/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,484
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,547
−HK$4,122/mo
Today · 4.125%
HK$159,669
baseline
▲ 0.50% · 4.625%
HK$168,085
+HK$8,416/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,338/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,072
−HK$10,978/mo
▼ 0.25% · 3.875%
HK$180,518
−HK$5,532/mo
Today · 4.125%
HK$186,050
baseline
▲ 0.50% · 4.625%
HK$197,371
+HK$11,321/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$372,100/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,766
−HK$10,522/mo
▼ 0.25% · 3.875%
HK$199,989
−HK$5,299/mo
Today · 4.125%
HK$205,288
baseline
▲ 0.50% · 4.625%
HK$216,109
+HK$10,821/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$410,576/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,798 · Scale 2, in force from 26 Feb 2026)