LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,333
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,952
−HK$3,676/mo
Today · 4.125%
HK$123,628
baseline
▲ 0.50% · 4.625%
HK$131,151
+HK$7,523/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$247,256/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,419
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,890
−HK$3,522/mo
Today · 4.125%
HK$136,412
baseline
▲ 0.50% · 4.625%
HK$143,602
+HK$7,190/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$272,824/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,600
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,942
−HK$4,412/mo
Today · 4.125%
HK$148,354
baseline
▲ 0.50% · 4.625%
HK$157,381
+HK$9,027/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$296,708/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,303
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,468
−HK$4,226/mo
Today · 4.125%
HK$163,694
baseline
▲ 0.50% · 4.625%
HK$172,322
+HK$8,628/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$327,388/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,866
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$167,932
−HK$5,148/mo
Today · 4.125%
HK$173,080
baseline
▲ 0.50% · 4.625%
HK$183,611
+HK$10,531/mo
Deposit HK$15.31M · loan HK$35.71M · min. income ≈ HK$346,160/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,187
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,047
−HK$4,929/mo
Today · 4.125%
HK$190,976
baseline
▲ 0.50% · 4.625%
HK$201,043
+HK$10,067/mo
Deposit HK$15.31M · loan HK$35.71M · min. income ≈ HK$381,952/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,400
−HK$13,131/mo
▼ 0.25% · 3.875%
HK$215,913
−HK$6,618/mo
Today · 4.125%
HK$222,531
baseline
▲ 0.50% · 4.625%
HK$236,071
+HK$13,540/mo
Deposit HK$5.10M · loan HK$45.92M · min. income ≈ HK$445,062/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,955
−HK$12,586/mo
▼ 0.25% · 3.875%
HK$239,203
−HK$6,338/mo
Today · 4.125%
HK$245,541
baseline
▲ 0.50% · 4.625%
HK$258,484
+HK$12,943/mo
Deposit HK$5.10M · loan HK$45.92M · min. income ≈ HK$491,082/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,247 · Scale 2, in force from 26 Feb 2026)