LTV · monthly repayment
▼ 0.50% · 3.625%
HK$103,924
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,157
−HK$3,284/mo
Today · 4.125%
HK$110,441
baseline
▲ 0.50% · 4.625%
HK$117,161
+HK$6,720/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$220,882/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,614
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,715
−HK$3,146/mo
Today · 4.125%
HK$121,861
baseline
▲ 0.50% · 4.625%
HK$128,284
+HK$6,423/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$243,722/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,709
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,588
−HK$3,941/mo
Today · 4.125%
HK$132,529
baseline
▲ 0.50% · 4.625%
HK$140,593
+HK$8,064/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$265,058/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,737
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,458
−HK$3,775/mo
Today · 4.125%
HK$146,233
baseline
▲ 0.50% · 4.625%
HK$153,941
+HK$7,708/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$292,466/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,494
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$150,019
−HK$4,598/mo
Today · 4.125%
HK$154,617
baseline
▲ 0.50% · 4.625%
HK$164,025
+HK$9,408/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$309,234/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,860
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,201
−HK$4,404/mo
Today · 4.125%
HK$170,605
baseline
▲ 0.50% · 4.625%
HK$179,598
+HK$8,993/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$341,210/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,063
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$192,882
−HK$5,912/mo
Today · 4.125%
HK$198,794
baseline
▲ 0.50% · 4.625%
HK$210,890
+HK$12,096/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$397,588/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,106
−HK$11,243/mo
▼ 0.25% · 3.875%
HK$213,687
−HK$5,662/mo
Today · 4.125%
HK$219,349
baseline
▲ 0.50% · 4.625%
HK$230,911
+HK$11,562/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$438,698/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,962 · Scale 2, in force from 26 Feb 2026)