LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,196
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,250
−HK$3,103/mo
Today · 4.125%
HK$104,353
baseline
▲ 0.50% · 4.625%
HK$110,703
+HK$6,350/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,706/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,242
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,171
−HK$2,973/mo
Today · 4.125%
HK$115,144
baseline
▲ 0.50% · 4.625%
HK$121,213
+HK$6,069/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,288/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,835
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,500
−HK$3,724/mo
Today · 4.125%
HK$125,224
baseline
▲ 0.50% · 4.625%
HK$132,843
+HK$7,619/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,448/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,090
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,606
−HK$3,566/mo
Today · 4.125%
HK$138,172
baseline
▲ 0.50% · 4.625%
HK$145,455
+HK$7,283/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,344/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,474
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,750
−HK$4,345/mo
Today · 4.125%
HK$146,095
baseline
▲ 0.50% · 4.625%
HK$154,984
+HK$8,889/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$292,190/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,938
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$157,040
−HK$4,161/mo
Today · 4.125%
HK$161,201
baseline
▲ 0.50% · 4.625%
HK$169,698
+HK$8,497/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$322,402/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,752
−HK$11,084/mo
▼ 0.25% · 3.875%
HK$182,250
−HK$5,586/mo
Today · 4.125%
HK$187,836
baseline
▲ 0.50% · 4.625%
HK$199,265
+HK$11,429/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,672/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,635
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$201,908
−HK$5,350/mo
Today · 4.125%
HK$207,258
baseline
▲ 0.50% · 4.625%
HK$218,183
+HK$10,925/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,516/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,194 · Scale 2, in force from 26 Feb 2026)