LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,320
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,409
−HK$3,139/mo
Today · 4.125%
HK$105,548
baseline
▲ 0.50% · 4.625%
HK$111,970
+HK$6,422/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$211,096/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,492
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,456
−HK$3,006/mo
Today · 4.125%
HK$116,462
baseline
▲ 0.50% · 4.625%
HK$122,601
+HK$6,139/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$232,924/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,184
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,891
−HK$3,767/mo
Today · 4.125%
HK$126,658
baseline
▲ 0.50% · 4.625%
HK$134,364
+HK$7,706/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$253,316/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,591
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,147
−HK$3,607/mo
Today · 4.125%
HK$139,754
baseline
▲ 0.50% · 4.625%
HK$147,121
+HK$7,367/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$279,508/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,048
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,373
−HK$4,394/mo
Today · 4.125%
HK$147,767
baseline
▲ 0.50% · 4.625%
HK$156,758
+HK$8,991/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$295,534/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,689
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,838
−HK$4,208/mo
Today · 4.125%
HK$163,046
baseline
▲ 0.50% · 4.625%
HK$171,641
+HK$8,595/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$326,092/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,776
−HK$11,210/mo
▼ 0.25% · 3.875%
HK$184,336
−HK$5,650/mo
Today · 4.125%
HK$189,986
baseline
▲ 0.50% · 4.625%
HK$201,547
+HK$11,561/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$379,972/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,886
−HK$10,745/mo
▼ 0.25% · 3.875%
HK$204,220
−HK$5,411/mo
Today · 4.125%
HK$209,631
baseline
▲ 0.50% · 4.625%
HK$220,681
+HK$11,050/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$419,262/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,147 · Scale 2, in force from 26 Feb 2026)