LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,563
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,597
−HK$3,084/mo
Today · 4.125%
HK$103,681
baseline
▲ 0.50% · 4.625%
HK$109,989
+HK$6,308/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,362/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,537
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,448
−HK$2,953/mo
Today · 4.125%
HK$114,401
baseline
▲ 0.50% · 4.625%
HK$120,432
+HK$6,031/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,802/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,075
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,717
−HK$3,700/mo
Today · 4.125%
HK$124,417
baseline
▲ 0.50% · 4.625%
HK$131,987
+HK$7,570/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$248,834/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,245
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,738
−HK$3,544/mo
Today · 4.125%
HK$137,282
baseline
▲ 0.50% · 4.625%
HK$144,518
+HK$7,236/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$274,564/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,588
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,836
−HK$4,317/mo
Today · 4.125%
HK$145,153
baseline
▲ 0.50% · 4.625%
HK$153,985
+HK$8,832/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$290,306/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,952
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$156,028
−HK$4,134/mo
Today · 4.125%
HK$160,162
baseline
▲ 0.50% · 4.625%
HK$168,604
+HK$8,442/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$320,324/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,613
−HK$11,012/mo
▼ 0.25% · 3.875%
HK$181,075
−HK$5,550/mo
Today · 4.125%
HK$186,625
baseline
▲ 0.50% · 4.625%
HK$197,981
+HK$11,356/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$373,250/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,367
−HK$10,555/mo
▼ 0.25% · 3.875%
HK$200,607
−HK$5,315/mo
Today · 4.125%
HK$205,922
baseline
▲ 0.50% · 4.625%
HK$216,777
+HK$10,855/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$411,844/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,396 · Scale 2, in force from 26 Feb 2026)