LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,485
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,797
−HK$3,365/mo
Today · 4.125%
HK$113,162
baseline
▲ 0.50% · 4.625%
HK$120,048
+HK$6,886/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$226,324/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,463
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,640
−HK$3,223/mo
Today · 4.125%
HK$124,863
baseline
▲ 0.50% · 4.625%
HK$131,445
+HK$6,582/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$249,726/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,782
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,756
−HK$4,039/mo
Today · 4.125%
HK$135,795
baseline
▲ 0.50% · 4.625%
HK$144,057
+HK$8,262/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$271,590/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,156
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,968
−HK$3,868/mo
Today · 4.125%
HK$149,836
baseline
▲ 0.50% · 4.625%
HK$157,734
+HK$7,898/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$299,672/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,079
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$153,716
−HK$4,711/mo
Today · 4.125%
HK$158,427
baseline
▲ 0.50% · 4.625%
HK$168,067
+HK$9,640/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$316,854/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,848
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$170,296
−HK$4,513/mo
Today · 4.125%
HK$174,809
baseline
▲ 0.50% · 4.625%
HK$184,023
+HK$9,214/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$349,618/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,672
−HK$12,020/mo
▼ 0.25% · 3.875%
HK$197,634
−HK$6,058/mo
Today · 4.125%
HK$203,692
baseline
▲ 0.50% · 4.625%
HK$216,086
+HK$12,394/mo
Deposit HK$4.67M · loan HK$42.03M · min. income ≈ HK$407,384/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,234
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$218,952
−HK$5,802/mo
Today · 4.125%
HK$224,754
baseline
▲ 0.50% · 4.625%
HK$236,601
+HK$11,847/mo
Deposit HK$4.67M · loan HK$42.03M · min. income ≈ HK$449,508/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,688 · Scale 2, in force from 26 Feb 2026)