LTV · monthly repayment
▼ 0.50% · 3.625%
HK$107,089
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,420
−HK$3,384/mo
Today · 4.125%
HK$113,804
baseline
▲ 0.50% · 4.625%
HK$120,729
+HK$6,925/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$227,608/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,135
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,330
−HK$3,242/mo
Today · 4.125%
HK$125,572
baseline
▲ 0.50% · 4.625%
HK$132,191
+HK$6,619/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$251,144/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,507
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,504
−HK$4,061/mo
Today · 4.125%
HK$136,565
baseline
▲ 0.50% · 4.625%
HK$144,875
+HK$8,310/mo
Deposit HK$18.79M · loan HK$28.18M · min. income ≈ HK$273,130/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,962
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,796
−HK$3,890/mo
Today · 4.125%
HK$150,686
baseline
▲ 0.50% · 4.625%
HK$158,629
+HK$7,943/mo
Deposit HK$18.79M · loan HK$28.18M · min. income ≈ HK$301,372/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,924
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$154,588
−HK$4,738/mo
Today · 4.125%
HK$159,326
baseline
▲ 0.50% · 4.625%
HK$169,021
+HK$9,695/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$318,652/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,789
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,263
−HK$4,537/mo
Today · 4.125%
HK$175,800
baseline
▲ 0.50% · 4.625%
HK$185,067
+HK$9,267/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$351,600/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,760
−HK$12,088/mo
▼ 0.25% · 3.875%
HK$198,756
−HK$6,092/mo
Today · 4.125%
HK$204,848
baseline
▲ 0.50% · 4.625%
HK$217,312
+HK$12,464/mo
Deposit HK$4.70M · loan HK$42.27M · min. income ≈ HK$409,696/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,443
−HK$11,586/mo
▼ 0.25% · 3.875%
HK$220,195
−HK$5,834/mo
Today · 4.125%
HK$226,029
baseline
▲ 0.50% · 4.625%
HK$237,943
+HK$11,914/mo
Deposit HK$4.70M · loan HK$42.27M · min. income ≈ HK$452,058/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,949 · Scale 2, in force from 26 Feb 2026)