LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,765
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,149
−HK$3,437/mo
Today · 4.125%
HK$115,586
baseline
▲ 0.50% · 4.625%
HK$122,619
+HK$7,033/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,172/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,000
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,246
−HK$3,292/mo
Today · 4.125%
HK$127,538
baseline
▲ 0.50% · 4.625%
HK$134,260
+HK$6,722/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,076/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,518
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$134,578
−HK$4,125/mo
Today · 4.125%
HK$138,703
baseline
▲ 0.50% · 4.625%
HK$147,143
+HK$8,440/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,406/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,200
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,095
−HK$3,950/mo
Today · 4.125%
HK$153,045
baseline
▲ 0.50% · 4.625%
HK$161,112
+HK$8,067/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,090/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,272
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$157,008
−HK$4,812/mo
Today · 4.125%
HK$161,820
baseline
▲ 0.50% · 4.625%
HK$171,667
+HK$9,847/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,640/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,401
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,944
−HK$4,609/mo
Today · 4.125%
HK$178,553
baseline
▲ 0.50% · 4.625%
HK$187,965
+HK$9,412/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,106/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,778
−HK$12,277/mo
▼ 0.25% · 3.875%
HK$201,868
−HK$6,187/mo
Today · 4.125%
HK$208,055
baseline
▲ 0.50% · 4.625%
HK$220,714
+HK$12,659/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,110/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,801
−HK$11,767/mo
▼ 0.25% · 3.875%
HK$223,642
−HK$5,926/mo
Today · 4.125%
HK$229,568
baseline
▲ 0.50% · 4.625%
HK$241,669
+HK$12,101/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,136/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,198 · Scale 2, in force from 26 Feb 2026)