LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,405
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,497
−HK$3,142/mo
Today · 4.125%
HK$105,639
baseline
▲ 0.50% · 4.625%
HK$112,067
+HK$6,428/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,278/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,587
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,553
−HK$3,009/mo
Today · 4.125%
HK$116,562
baseline
▲ 0.50% · 4.625%
HK$122,706
+HK$6,144/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,124/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,286
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,997
−HK$3,769/mo
Today · 4.125%
HK$126,766
baseline
▲ 0.50% · 4.625%
HK$134,480
+HK$7,714/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,532/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,705
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,264
−HK$3,610/mo
Today · 4.125%
HK$139,874
baseline
▲ 0.50% · 4.625%
HK$147,247
+HK$7,373/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,748/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,167
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,496
−HK$4,398/mo
Today · 4.125%
HK$147,894
baseline
▲ 0.50% · 4.625%
HK$156,893
+HK$8,999/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,788/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,822
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$158,974
−HK$4,213/mo
Today · 4.125%
HK$163,187
baseline
▲ 0.50% · 4.625%
HK$171,788
+HK$8,601/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,374/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,929
−HK$11,221/mo
▼ 0.25% · 3.875%
HK$184,495
−HK$5,655/mo
Today · 4.125%
HK$190,150
baseline
▲ 0.50% · 4.625%
HK$201,720
+HK$11,570/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$380,300/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,057
−HK$10,754/mo
▼ 0.25% · 3.875%
HK$204,396
−HK$5,415/mo
Today · 4.125%
HK$209,811
baseline
▲ 0.50% · 4.625%
HK$220,871
+HK$11,060/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$419,622/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,739 · Scale 2, in force from 26 Feb 2026)