LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,676
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,714
−HK$3,087/mo
Today · 4.125%
HK$103,801
baseline
▲ 0.50% · 4.625%
HK$110,117
+HK$6,316/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,602/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,663
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,578
−HK$2,956/mo
Today · 4.125%
HK$114,534
baseline
▲ 0.50% · 4.625%
HK$120,571
+HK$6,037/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,068/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,211
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,857
−HK$3,704/mo
Today · 4.125%
HK$124,561
baseline
▲ 0.50% · 4.625%
HK$132,140
+HK$7,579/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,122/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,396
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,893
−HK$3,548/mo
Today · 4.125%
HK$137,441
baseline
▲ 0.50% · 4.625%
HK$144,686
+HK$7,245/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,882/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,746
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$141,000
−HK$4,321/mo
Today · 4.125%
HK$145,321
baseline
▲ 0.50% · 4.625%
HK$154,164
+HK$8,843/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$290,642/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,129
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,209
−HK$4,139/mo
Today · 4.125%
HK$160,348
baseline
▲ 0.50% · 4.625%
HK$168,800
+HK$8,452/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$320,696/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,816
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$181,285
−HK$5,557/mo
Today · 4.125%
HK$186,842
baseline
▲ 0.50% · 4.625%
HK$198,210
+HK$11,368/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,684/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,594
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$200,840
−HK$5,321/mo
Today · 4.125%
HK$206,161
baseline
▲ 0.50% · 4.625%
HK$217,028
+HK$10,867/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,322/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,506 · Scale 2, in force from 26 Feb 2026)