LTV · monthly repayment
▼ 0.50% · 3.625%
HK$98,502
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,566
−HK$3,113/mo
Today · 4.125%
HK$104,679
baseline
▲ 0.50% · 4.625%
HK$111,049
+HK$6,370/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,358/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,583
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,522
−HK$2,981/mo
Today · 4.125%
HK$115,503
baseline
▲ 0.50% · 4.625%
HK$121,592
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,006/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,203
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,880
−HK$3,735/mo
Today · 4.125%
HK$125,615
baseline
▲ 0.50% · 4.625%
HK$133,258
+HK$7,643/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,230/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,499
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,026
−HK$3,578/mo
Today · 4.125%
HK$138,604
baseline
▲ 0.50% · 4.625%
HK$145,910
+HK$7,306/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,208/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,903
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,193
−HK$4,358/mo
Today · 4.125%
HK$146,551
baseline
▲ 0.50% · 4.625%
HK$155,468
+HK$8,917/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,102/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,416
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,530
−HK$4,175/mo
Today · 4.125%
HK$161,705
baseline
▲ 0.50% · 4.625%
HK$170,228
+HK$8,523/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,410/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,304
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$182,819
−HK$5,604/mo
Today · 4.125%
HK$188,423
baseline
▲ 0.50% · 4.625%
HK$199,888
+HK$11,465/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,846/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,249
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$202,539
−HK$5,367/mo
Today · 4.125%
HK$207,906
baseline
▲ 0.50% · 4.625%
HK$218,865
+HK$10,959/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,812/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,911 · Scale 2, in force from 26 Feb 2026)