LTV · monthly repayment
▼ 0.50% · 3.625%
HK$104,432
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,680
−HK$3,300/mo
Today · 4.125%
HK$110,980
baseline
▲ 0.50% · 4.625%
HK$117,733
+HK$6,753/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$221,960/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,179
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,295
−HK$3,161/mo
Today · 4.125%
HK$122,456
baseline
▲ 0.50% · 4.625%
HK$128,911
+HK$6,455/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$244,912/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,318
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,216
−HK$3,960/mo
Today · 4.125%
HK$133,176
baseline
▲ 0.50% · 4.625%
HK$141,280
+HK$8,104/mo
Deposit HK$18.32M · loan HK$27.48M · min. income ≈ HK$266,352/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,415
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,154
−HK$3,793/mo
Today · 4.125%
HK$146,947
baseline
▲ 0.50% · 4.625%
HK$154,693
+HK$7,746/mo
Deposit HK$18.32M · loan HK$27.48M · min. income ≈ HK$293,894/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,204
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$150,752
−HK$4,620/mo
Today · 4.125%
HK$155,372
baseline
▲ 0.50% · 4.625%
HK$164,827
+HK$9,455/mo
Deposit HK$13.74M · loan HK$32.06M · min. income ≈ HK$310,744/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,651
−HK$8,787/mo
▼ 0.25% · 3.875%
HK$167,013
−HK$4,425/mo
Today · 4.125%
HK$171,438
baseline
▲ 0.50% · 4.625%
HK$180,475
+HK$9,037/mo
Deposit HK$13.74M · loan HK$32.06M · min. income ≈ HK$342,876/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,977
−HK$11,788/mo
▼ 0.25% · 3.875%
HK$193,824
−HK$5,941/mo
Today · 4.125%
HK$199,765
baseline
▲ 0.50% · 4.625%
HK$211,920
+HK$12,155/mo
Deposit HK$4.58M · loan HK$41.22M · min. income ≈ HK$399,530/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,122
−HK$11,299/mo
▼ 0.25% · 3.875%
HK$214,731
−HK$5,690/mo
Today · 4.125%
HK$220,421
baseline
▲ 0.50% · 4.625%
HK$232,039
+HK$11,618/mo
Deposit HK$4.58M · loan HK$41.22M · min. income ≈ HK$440,842/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,422 · Scale 2, in force from 26 Feb 2026)