LTV · monthly repayment
▼ 0.50% · 3.625%
HK$99,500
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,595
−HK$3,144/mo
Today · 4.125%
HK$105,739
baseline
▲ 0.50% · 4.625%
HK$112,173
+HK$6,434/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,478/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,692
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,661
−HK$3,012/mo
Today · 4.125%
HK$116,673
baseline
▲ 0.50% · 4.625%
HK$122,823
+HK$6,150/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,346/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,400
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,114
−HK$3,773/mo
Today · 4.125%
HK$126,887
baseline
▲ 0.50% · 4.625%
HK$134,608
+HK$7,721/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,774/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,831
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,393
−HK$3,614/mo
Today · 4.125%
HK$140,007
baseline
▲ 0.50% · 4.625%
HK$147,387
+HK$7,380/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$280,014/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,300
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$143,633
−HK$4,402/mo
Today · 4.125%
HK$148,035
baseline
▲ 0.50% · 4.625%
HK$157,042
+HK$9,007/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,070/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,969
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$159,126
−HK$4,216/mo
Today · 4.125%
HK$163,342
baseline
▲ 0.50% · 4.625%
HK$171,952
+HK$8,610/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,684/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,099
−HK$11,232/mo
▼ 0.25% · 3.875%
HK$184,670
−HK$5,661/mo
Today · 4.125%
HK$190,331
baseline
▲ 0.50% · 4.625%
HK$201,912
+HK$11,581/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,662/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,246
−HK$10,765/mo
▼ 0.25% · 3.875%
HK$204,590
−HK$5,421/mo
Today · 4.125%
HK$210,011
baseline
▲ 0.50% · 4.625%
HK$221,081
+HK$11,070/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$420,022/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,501 · Scale 2, in force from 26 Feb 2026)