LTV · monthly repayment
▼ 0.50% · 3.625%
HK$102,848
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,047
−HK$3,251/mo
Today · 4.125%
HK$109,298
baseline
▲ 0.50% · 4.625%
HK$115,948
+HK$6,650/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,596/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,418
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,486
−HK$3,113/mo
Today · 4.125%
HK$120,599
baseline
▲ 0.50% · 4.625%
HK$126,956
+HK$6,357/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,198/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,418
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,257
−HK$3,900/mo
Today · 4.125%
HK$131,157
baseline
▲ 0.50% · 4.625%
HK$139,138
+HK$7,981/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$262,314/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,301
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,984
−HK$3,735/mo
Today · 4.125%
HK$144,719
baseline
▲ 0.50% · 4.625%
HK$152,348
+HK$7,629/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$289,438/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,988
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$148,466
−HK$4,551/mo
Today · 4.125%
HK$153,017
baseline
▲ 0.50% · 4.625%
HK$162,328
+HK$9,311/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$306,034/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,185
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,481
−HK$4,358/mo
Today · 4.125%
HK$168,839
baseline
▲ 0.50% · 4.625%
HK$177,739
+HK$8,900/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$337,678/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,127
−HK$11,609/mo
▼ 0.25% · 3.875%
HK$190,885
−HK$5,851/mo
Today · 4.125%
HK$196,736
baseline
▲ 0.50% · 4.625%
HK$208,707
+HK$11,971/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$393,472/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,952
−HK$11,127/mo
▼ 0.25% · 3.875%
HK$211,475
−HK$5,604/mo
Today · 4.125%
HK$217,079
baseline
▲ 0.50% · 4.625%
HK$228,521
+HK$11,442/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$434,158/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,914 · Scale 2, in force from 26 Feb 2026)