LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,292
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,318
−HK$3,075/mo
Today · 4.125%
HK$103,393
baseline
▲ 0.50% · 4.625%
HK$109,684
+HK$6,291/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,786/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,236
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,139
−HK$2,945/mo
Today · 4.125%
HK$114,084
baseline
▲ 0.50% · 4.625%
HK$120,097
+HK$6,013/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,168/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,750
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,382
−HK$3,689/mo
Today · 4.125%
HK$124,071
baseline
▲ 0.50% · 4.625%
HK$131,621
+HK$7,550/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$248,142/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,883
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,367
−HK$3,534/mo
Today · 4.125%
HK$136,901
baseline
▲ 0.50% · 4.625%
HK$144,117
+HK$7,216/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$273,802/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,208
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$140,445
−HK$4,305/mo
Today · 4.125%
HK$144,750
baseline
▲ 0.50% · 4.625%
HK$153,558
+HK$8,808/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$289,500/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,531
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,595
−HK$4,122/mo
Today · 4.125%
HK$159,717
baseline
▲ 0.50% · 4.625%
HK$168,136
+HK$8,419/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$319,434/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,125
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$180,573
−HK$5,534/mo
Today · 4.125%
HK$186,107
baseline
▲ 0.50% · 4.625%
HK$197,431
+HK$11,324/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$372,214/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,825
−HK$10,526/mo
▼ 0.25% · 3.875%
HK$200,050
−HK$5,301/mo
Today · 4.125%
HK$205,351
baseline
▲ 0.50% · 4.625%
HK$216,175
+HK$10,824/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$410,702/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,349 · Scale 2, in force from 26 Feb 2026)