LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,368
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,552
−HK$3,235/mo
Today · 4.125%
HK$108,787
baseline
▲ 0.50% · 4.625%
HK$115,407
+HK$6,620/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$217,574/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,883
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,938
−HK$3,098/mo
Today · 4.125%
HK$120,036
baseline
▲ 0.50% · 4.625%
HK$126,363
+HK$6,327/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$240,072/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,842
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,663
−HK$3,882/mo
Today · 4.125%
HK$130,545
baseline
▲ 0.50% · 4.625%
HK$138,488
+HK$7,943/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$261,090/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,660
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$140,325
−HK$3,718/mo
Today · 4.125%
HK$144,043
baseline
▲ 0.50% · 4.625%
HK$151,636
+HK$7,593/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$288,086/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,315
−HK$8,987/mo
▼ 0.25% · 3.875%
HK$147,773
−HK$4,529/mo
Today · 4.125%
HK$152,302
baseline
▲ 0.50% · 4.625%
HK$161,570
+HK$9,268/mo
Deposit HK$13.47M · loan HK$31.43M · min. income ≈ HK$304,604/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,437
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$163,713
−HK$4,338/mo
Today · 4.125%
HK$168,051
baseline
▲ 0.50% · 4.625%
HK$176,909
+HK$8,858/mo
Deposit HK$13.47M · loan HK$31.43M · min. income ≈ HK$336,102/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,262
−HK$11,555/mo
▼ 0.25% · 3.875%
HK$189,994
−HK$5,823/mo
Today · 4.125%
HK$195,817
baseline
▲ 0.50% · 4.625%
HK$207,732
+HK$11,915/mo
Deposit HK$4.49M · loan HK$40.40M · min. income ≈ HK$391,634/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,990
−HK$11,075/mo
▼ 0.25% · 3.875%
HK$210,488
−HK$5,577/mo
Today · 4.125%
HK$216,065
baseline
▲ 0.50% · 4.625%
HK$227,454
+HK$11,389/mo
Deposit HK$4.49M · loan HK$40.40M · min. income ≈ HK$432,130/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,961 · Scale 2, in force from 26 Feb 2026)