LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,137
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,190
−HK$3,101/mo
Today · 4.125%
HK$104,291
baseline
▲ 0.50% · 4.625%
HK$110,637
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,582/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,176
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,104
−HK$2,971/mo
Today · 4.125%
HK$115,075
baseline
▲ 0.50% · 4.625%
HK$121,141
+HK$6,066/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,150/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,764
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,427
−HK$3,722/mo
Today · 4.125%
HK$125,149
baseline
▲ 0.50% · 4.625%
HK$132,764
+HK$7,615/mo
Deposit HK$17.22M · loan HK$25.82M · min. income ≈ HK$250,298/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,012
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,525
−HK$3,565/mo
Today · 4.125%
HK$138,090
baseline
▲ 0.50% · 4.625%
HK$145,369
+HK$7,279/mo
Deposit HK$17.22M · loan HK$25.82M · min. income ≈ HK$276,180/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,392
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,665
−HK$4,342/mo
Today · 4.125%
HK$146,007
baseline
▲ 0.50% · 4.625%
HK$154,892
+HK$8,885/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$292,014/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,847
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$156,946
−HK$4,159/mo
Today · 4.125%
HK$161,105
baseline
▲ 0.50% · 4.625%
HK$169,597
+HK$8,492/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$322,210/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,647
−HK$11,077/mo
▼ 0.25% · 3.875%
HK$182,141
−HK$5,583/mo
Today · 4.125%
HK$187,724
baseline
▲ 0.50% · 4.625%
HK$199,146
+HK$11,422/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,448/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,517
−HK$10,618/mo
▼ 0.25% · 3.875%
HK$201,788
−HK$5,347/mo
Today · 4.125%
HK$207,135
baseline
▲ 0.50% · 4.625%
HK$218,053
+HK$10,918/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,270/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,102 · Scale 2, in force from 26 Feb 2026)