LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,431
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,461
−HK$3,080/mo
Today · 4.125%
HK$103,541
baseline
▲ 0.50% · 4.625%
HK$109,841
+HK$6,300/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$207,082/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,391
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,298
−HK$2,949/mo
Today · 4.125%
HK$114,247
baseline
▲ 0.50% · 4.625%
HK$120,269
+HK$6,022/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$228,494/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,917
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,554
−HK$3,695/mo
Today · 4.125%
HK$124,249
baseline
▲ 0.50% · 4.625%
HK$131,809
+HK$7,560/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$248,498/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,069
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,557
−HK$3,539/mo
Today · 4.125%
HK$137,096
baseline
▲ 0.50% · 4.625%
HK$144,323
+HK$7,227/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$274,192/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,403
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,646
−HK$4,311/mo
Today · 4.125%
HK$144,957
baseline
▲ 0.50% · 4.625%
HK$153,777
+HK$8,820/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$289,914/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,747
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,817
−HK$4,129/mo
Today · 4.125%
HK$159,946
baseline
▲ 0.50% · 4.625%
HK$168,377
+HK$8,431/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$319,892/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,375
−HK$10,998/mo
▼ 0.25% · 3.875%
HK$180,831
−HK$5,542/mo
Today · 4.125%
HK$186,373
baseline
▲ 0.50% · 4.625%
HK$197,713
+HK$11,340/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$372,746/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,103
−HK$10,541/mo
▼ 0.25% · 3.875%
HK$200,336
−HK$5,308/mo
Today · 4.125%
HK$205,644
baseline
▲ 0.50% · 4.625%
HK$216,484
+HK$10,840/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$411,288/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,941 · Scale 2, in force from 26 Feb 2026)