LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,651
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,875
−HK$3,276/mo
Today · 4.125%
HK$110,151
baseline
▲ 0.50% · 4.625%
HK$116,853
+HK$6,702/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$220,302/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,311
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,403
−HK$3,138/mo
Today · 4.125%
HK$121,541
baseline
▲ 0.50% · 4.625%
HK$127,947
+HK$6,406/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$243,082/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,381
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,250
−HK$3,931/mo
Today · 4.125%
HK$132,181
baseline
▲ 0.50% · 4.625%
HK$140,224
+HK$8,043/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$264,362/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,373
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,084
−HK$3,765/mo
Today · 4.125%
HK$145,849
baseline
▲ 0.50% · 4.625%
HK$153,537
+HK$7,688/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$291,698/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,112
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$149,625
−HK$4,586/mo
Today · 4.125%
HK$154,211
baseline
▲ 0.50% · 4.625%
HK$163,595
+HK$9,384/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$308,422/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,435
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,765
−HK$4,392/mo
Today · 4.125%
HK$170,157
baseline
▲ 0.50% · 4.625%
HK$179,126
+HK$8,969/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$340,314/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,572
−HK$11,700/mo
▼ 0.25% · 3.875%
HK$192,375
−HK$5,897/mo
Today · 4.125%
HK$198,272
baseline
▲ 0.50% · 4.625%
HK$210,336
+HK$12,064/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$396,544/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,559
−HK$11,214/mo
▼ 0.25% · 3.875%
HK$213,126
−HK$5,647/mo
Today · 4.125%
HK$218,773
baseline
▲ 0.50% · 4.625%
HK$230,305
+HK$11,532/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$437,546/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,876 · Scale 2, in force from 26 Feb 2026)