LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,677
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,275
−HK$3,656/mo
Today · 4.125%
HK$122,931
baseline
▲ 0.50% · 4.625%
HK$130,411
+HK$7,480/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$245,862/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,689
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,141
−HK$3,501/mo
Today · 4.125%
HK$135,642
baseline
▲ 0.50% · 4.625%
HK$142,792
+HK$7,150/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$271,284/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,812
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,130
−HK$4,387/mo
Today · 4.125%
HK$147,517
baseline
▲ 0.50% · 4.625%
HK$156,493
+HK$8,976/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$295,034/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,427
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,569
−HK$4,201/mo
Today · 4.125%
HK$162,770
baseline
▲ 0.50% · 4.625%
HK$171,350
+HK$8,580/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$325,540/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,948
−HK$10,155/mo
▼ 0.25% · 3.875%
HK$166,985
−HK$5,118/mo
Today · 4.125%
HK$172,103
baseline
▲ 0.50% · 4.625%
HK$182,575
+HK$10,472/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$344,206/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,165
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$184,997
−HK$4,902/mo
Today · 4.125%
HK$189,899
baseline
▲ 0.50% · 4.625%
HK$199,909
+HK$10,010/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$379,798/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,218
−HK$13,057/mo
▼ 0.25% · 3.875%
HK$214,695
−HK$6,580/mo
Today · 4.125%
HK$221,275
baseline
▲ 0.50% · 4.625%
HK$234,740
+HK$13,465/mo
Deposit HK$5.07M · loan HK$45.66M · min. income ≈ HK$442,550/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,641
−HK$12,515/mo
▼ 0.25% · 3.875%
HK$237,853
−HK$6,303/mo
Today · 4.125%
HK$244,156
baseline
▲ 0.50% · 4.625%
HK$257,025
+HK$12,869/mo
Deposit HK$5.07M · loan HK$45.66M · min. income ≈ HK$488,312/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,015 · Scale 2, in force from 26 Feb 2026)