LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,950
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$100,997
−HK$3,096/mo
Today · 4.125%
HK$104,093
baseline
▲ 0.50% · 4.625%
HK$110,426
+HK$6,333/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,186/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,969
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,891
−HK$2,965/mo
Today · 4.125%
HK$114,856
baseline
▲ 0.50% · 4.625%
HK$120,910
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,712/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,540
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,197
−HK$3,714/mo
Today · 4.125%
HK$124,911
baseline
▲ 0.50% · 4.625%
HK$132,512
+HK$7,601/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,822/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,762
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,269
−HK$3,558/mo
Today · 4.125%
HK$137,827
baseline
▲ 0.50% · 4.625%
HK$145,092
+HK$7,265/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,654/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,130
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,396
−HK$4,334/mo
Today · 4.125%
HK$145,730
baseline
▲ 0.50% · 4.625%
HK$154,597
+HK$8,867/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,460/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,556
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,648
−HK$4,150/mo
Today · 4.125%
HK$160,798
baseline
▲ 0.50% · 4.625%
HK$169,274
+HK$8,476/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,596/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,311
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$181,795
−HK$5,572/mo
Today · 4.125%
HK$187,367
baseline
▲ 0.50% · 4.625%
HK$198,768
+HK$11,401/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,734/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,144
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$201,404
−HK$5,337/mo
Today · 4.125%
HK$206,741
baseline
▲ 0.50% · 4.625%
HK$217,638
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,482/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,623 · Scale 2, in force from 26 Feb 2026)