LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,280
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,492
−HK$3,264/mo
Today · 4.125%
HK$109,756
baseline
▲ 0.50% · 4.625%
HK$116,435
+HK$6,679/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$219,512/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,898
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,979
−HK$3,126/mo
Today · 4.125%
HK$121,105
baseline
▲ 0.50% · 4.625%
HK$127,489
+HK$6,384/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$242,210/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,936
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,791
−HK$3,917/mo
Today · 4.125%
HK$131,708
baseline
▲ 0.50% · 4.625%
HK$139,722
+HK$8,014/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$263,416/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,877
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,575
−HK$3,751/mo
Today · 4.125%
HK$145,326
baseline
▲ 0.50% · 4.625%
HK$152,987
+HK$7,661/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$290,652/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,592
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,089
−HK$4,570/mo
Today · 4.125%
HK$153,659
baseline
▲ 0.50% · 4.625%
HK$163,009
+HK$9,350/mo
Deposit HK$13.59M · loan HK$31.71M · min. income ≈ HK$307,318/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,857
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$165,171
−HK$4,376/mo
Today · 4.125%
HK$169,547
baseline
▲ 0.50% · 4.625%
HK$178,484
+HK$8,937/mo
Deposit HK$13.59M · loan HK$31.71M · min. income ≈ HK$339,094/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,903
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$191,686
−HK$5,875/mo
Today · 4.125%
HK$197,561
baseline
▲ 0.50% · 4.625%
HK$209,582
+HK$12,021/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$395,122/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,816
−HK$11,173/mo
▼ 0.25% · 3.875%
HK$212,362
−HK$5,627/mo
Today · 4.125%
HK$217,989
baseline
▲ 0.50% · 4.625%
HK$229,480
+HK$11,491/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$435,978/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,954 · Scale 2, in force from 26 Feb 2026)