LTV · monthly repayment
▼ 0.50% · 3.625%
HK$108,786
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,170
−HK$3,438/mo
Today · 4.125%
HK$115,608
baseline
▲ 0.50% · 4.625%
HK$122,643
+HK$7,035/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,216/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,024
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,269
−HK$3,293/mo
Today · 4.125%
HK$127,562
baseline
▲ 0.50% · 4.625%
HK$134,286
+HK$6,724/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,124/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,543
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$134,604
−HK$4,126/mo
Today · 4.125%
HK$138,730
baseline
▲ 0.50% · 4.625%
HK$147,171
+HK$8,441/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,460/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,228
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,123
−HK$3,952/mo
Today · 4.125%
HK$153,075
baseline
▲ 0.50% · 4.625%
HK$161,143
+HK$8,068/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,150/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,301
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$157,038
−HK$4,813/mo
Today · 4.125%
HK$161,851
baseline
▲ 0.50% · 4.625%
HK$171,700
+HK$9,849/mo
Deposit HK$14.31M · loan HK$33.40M · min. income ≈ HK$323,702/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,433
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$173,977
−HK$4,610/mo
Today · 4.125%
HK$178,587
baseline
▲ 0.50% · 4.625%
HK$188,001
+HK$9,414/mo
Deposit HK$14.31M · loan HK$33.40M · min. income ≈ HK$357,174/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,815
−HK$12,280/mo
▼ 0.25% · 3.875%
HK$201,906
−HK$6,189/mo
Today · 4.125%
HK$208,095
baseline
▲ 0.50% · 4.625%
HK$220,757
+HK$12,662/mo
Deposit HK$4.77M · loan HK$42.94M · min. income ≈ HK$416,190/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,842
−HK$11,770/mo
▼ 0.25% · 3.875%
HK$223,685
−HK$5,927/mo
Today · 4.125%
HK$229,612
baseline
▲ 0.50% · 4.625%
HK$241,715
+HK$12,103/mo
Deposit HK$4.77M · loan HK$42.94M · min. income ≈ HK$459,224/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,586 · Scale 2, in force from 26 Feb 2026)