LTV · monthly repayment
▼ 0.50% · 3.625%
HK$109,451
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$112,856
−HK$3,459/mo
Today · 4.125%
HK$116,315
baseline
▲ 0.50% · 4.625%
HK$123,392
+HK$7,077/mo
Deposit HK$24.00M · loan HK$24.00M · min. income ≈ HK$232,630/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,763
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$125,029
−HK$3,313/mo
Today · 4.125%
HK$128,342
baseline
▲ 0.50% · 4.625%
HK$135,107
+HK$6,765/mo
Deposit HK$24.00M · loan HK$24.00M · min. income ≈ HK$256,684/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,342
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,427
−HK$4,151/mo
Today · 4.125%
HK$139,578
baseline
▲ 0.50% · 4.625%
HK$148,071
+HK$8,493/mo
Deposit HK$19.20M · loan HK$28.80M · min. income ≈ HK$279,156/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,116
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,035
−HK$3,975/mo
Today · 4.125%
HK$154,010
baseline
▲ 0.50% · 4.625%
HK$162,128
+HK$8,118/mo
Deposit HK$19.20M · loan HK$28.80M · min. income ≈ HK$308,020/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,232
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$157,998
−HK$4,843/mo
Today · 4.125%
HK$162,841
baseline
▲ 0.50% · 4.625%
HK$172,749
+HK$9,908/mo
Deposit HK$14.40M · loan HK$33.60M · min. income ≈ HK$325,682/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,469
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$175,041
−HK$4,638/mo
Today · 4.125%
HK$179,679
baseline
▲ 0.50% · 4.625%
HK$189,150
+HK$9,471/mo
Deposit HK$14.40M · loan HK$33.60M · min. income ≈ HK$359,358/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,012
−HK$12,355/mo
▼ 0.25% · 3.875%
HK$203,141
−HK$6,226/mo
Today · 4.125%
HK$209,367
baseline
▲ 0.50% · 4.625%
HK$222,106
+HK$12,739/mo
Deposit HK$4.80M · loan HK$43.20M · min. income ≈ HK$418,734/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,174
−HK$11,842/mo
▼ 0.25% · 3.875%
HK$225,052
−HK$5,964/mo
Today · 4.125%
HK$231,016
baseline
▲ 0.50% · 4.625%
HK$243,193
+HK$12,177/mo
Deposit HK$4.80M · loan HK$43.20M · min. income ≈ HK$462,032/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,982 · Scale 2, in force from 26 Feb 2026)