LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,444
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,097
−HK$3,712/mo
Today · 4.125%
HK$124,809
baseline
▲ 0.50% · 4.625%
HK$132,403
+HK$7,594/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$249,618/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,655
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,159
−HK$3,555/mo
Today · 4.125%
HK$137,714
baseline
▲ 0.50% · 4.625%
HK$144,973
+HK$7,259/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$275,428/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,933
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$145,316
−HK$4,454/mo
Today · 4.125%
HK$149,770
baseline
▲ 0.50% · 4.625%
HK$158,884
+HK$9,114/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$299,540/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,786
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$160,991
−HK$4,266/mo
Today · 4.125%
HK$165,257
baseline
▲ 0.50% · 4.625%
HK$173,968
+HK$8,711/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$330,514/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,421
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$169,536
−HK$5,196/mo
Today · 4.125%
HK$174,732
baseline
▲ 0.50% · 4.625%
HK$185,364
+HK$10,632/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$349,464/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,917
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,823
−HK$4,977/mo
Today · 4.125%
HK$192,800
baseline
▲ 0.50% · 4.625%
HK$202,962
+HK$10,162/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$385,600/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,399
−HK$13,257/mo
▼ 0.25% · 3.875%
HK$217,975
−HK$6,681/mo
Today · 4.125%
HK$224,656
baseline
▲ 0.50% · 4.625%
HK$238,325
+HK$13,669/mo
Deposit HK$5.15M · loan HK$46.35M · min. income ≈ HK$449,312/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,179
−HK$12,706/mo
▼ 0.25% · 3.875%
HK$241,487
−HK$6,398/mo
Today · 4.125%
HK$247,885
baseline
▲ 0.50% · 4.625%
HK$260,952
+HK$13,067/mo
Deposit HK$5.15M · loan HK$46.35M · min. income ≈ HK$495,770/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,188,949 · Scale 2, in force from 26 Feb 2026)