LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,668
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,706
−HK$3,087/mo
Today · 4.125%
HK$103,793
baseline
▲ 0.50% · 4.625%
HK$110,109
+HK$6,316/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,586/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,655
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,569
−HK$2,956/mo
Today · 4.125%
HK$114,525
baseline
▲ 0.50% · 4.625%
HK$120,562
+HK$6,037/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,050/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,202
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,848
−HK$3,704/mo
Today · 4.125%
HK$124,552
baseline
▲ 0.50% · 4.625%
HK$132,130
+HK$7,578/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,104/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,386
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,883
−HK$3,547/mo
Today · 4.125%
HK$137,430
baseline
▲ 0.50% · 4.625%
HK$144,675
+HK$7,245/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,860/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,736
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$140,989
−HK$4,321/mo
Today · 4.125%
HK$145,310
baseline
▲ 0.50% · 4.625%
HK$154,152
+HK$8,842/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$290,620/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,117
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$156,197
−HK$4,138/mo
Today · 4.125%
HK$160,335
baseline
▲ 0.50% · 4.625%
HK$168,787
+HK$8,452/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$320,670/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,803
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$181,271
−HK$5,556/mo
Today · 4.125%
HK$186,827
baseline
▲ 0.50% · 4.625%
HK$198,195
+HK$11,368/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,654/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,579
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$200,824
−HK$5,322/mo
Today · 4.125%
HK$206,146
baseline
▲ 0.50% · 4.625%
HK$217,012
+HK$10,866/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,292/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,367 · Scale 2, in force from 26 Feb 2026)